Is University education worth it$?$ Build comparative $20$ year cash flow models

for the following three scenarios starting when you graduate from high school: $1)$ you

decide to go to work directly after high school in the food services industry knowing that as a server you can work hard and earn in the first $5$ years approximately $$70,000/$y $($pretax$)$ and realistically expect to be able to work your way up to managerial positions at excellent places such that by the $10$th year you are earning $$120,000/$y which increases by $5\%$ per year thereafter. $2)$ you decide to go to UCSB to earn an undergraduate degree and need to borrow money each year to do so$.$ You graduate in $4$ years and are able to get a job at an excellent company starting at $$90,000/$year $($pretax$).$ You are an outstanding employee and receive a $10\%$ raise each year until you top out at $$200,000/$year$.3)$ After you graduate from $2)$ you decide to get a Ph$.$D$.,$ you are fully supported by a scholarship which provides sufficient funds to cover your humble living expenses and tuition and you are able to defer repayment on your undergraduate loans and finish your degree in $5$ years. Once you graduate, you score a great job at a starting salary of $$120,000/$y which increases at $10\%$ per year until you top out at $$350,000/$y$.$ Make and state reasonable assumptions regarding your expenses once you are out of school and savings, tax rates, etc. Discuss the models and compare the NPV$$s of the $20$ year cash flows and discuss how you would make decisions using this modeling exercise. How much is control over what you do for work worth?