Jamal is 31 years old and married with two children, ages 9 and 7. Jamal just finished his associate's degree at a local community college. He would now like to finish his bachelor's degree on a full-time basis, which means he will lose 2 years of income. Using the information below, determine if this is a wise economic investment and how long it will take Jamal to break even. Jamal currently earns $35,000 annually. He will live with his family, and his wife will continue working while he is in school. Tuition, books, and fees will be approximately $13,000 per year, and Jamal plans to use student and personal loans to cover these expenses. Jamal will also use personal loans to cover $7,000 in additional household expenses per year. Jamal believes he can increase his income by $12,000 per year after graduation. Jamal's payback period is? Is Jamal making a wise economic investment? Why or why not