University fees increase by 3% per year. Currently the average tuition fee for a public college is $14,300 per year. Andrea's son Trevor will start college in 12 years. Andrea's portfolio earns 6% per year. 

How much does Andrea need to set aside today/now to pay Trevor his 4 years of college fees? (Note: Tuition will continue to change each year and Andrea's portfolio balance will continue to accrue while Trevor is in school. Tuition is also due at the beginning of each year.)