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Clara is not sure if she should attend college or not. Part of her decision will be based on the return on investment of college. Her estimates that the per year cost to attend Texas Tech including room and board is $25,000. She also assumes tuitions costs will rise by 6% per year. How much is a 4 year degree going to cost Clara? Clara recognizes that not only will she have the costs of attending school but she will also be giving up a salary while she attends school. She figures the average salary for those with only a high school diploma is $30,000. She assumes she would receive a 3% cost of living raise each year. Determine how much money she will forgo while attending school. If Clara adds the cost of college with the salary she will forgo by attending college she finds it will cost: _____in total. (Keep in mind that this does not include any interest on loans needed to pay for school). To help her determine if it really is worth it to get a college education Clara wants to see what the return on investment (ROI) will be 15 years after graduation. After some research Clara discovers that for her career choice she can expect to earn $1.8 million with a degree and $950,000 without one. What is Clara's 15-year ROI? Is this is a good ROI or not? List at least 3 other factors besides ROI that Clara should consider