use excel if necessary and show all the formula and all the details. I will definitely give thumbs up if true

If Annual Income after High School is $25,000 per year for 30 years, and annual Income after College is $60,000 per year for 30 years, and if Tuition and Board for the college is 25,000 per year for 4 years. Does it pay to go for higher education, if the cost of borrowing money for college costs is 5% ? Show your work by NPV and IRR