You are $23$ years old; you consider choosing a two$-$year MBA program, then you plan to work for $40$ years and then

retire. You will borrow at Rate $Z($specified below$)$ the whole cost of the program at the MBA graduation date $($at age

$25.$ You will make $$125K$ per annum in all years of your working life if you graduate from Wharton MBA or $$x$ per

annum if you graduate from Rutgers MBA.

Wharton has a total program cost of $$140K$; the Rutgers' program cost of $$50K.$

which program is financially better?