# ROI (Return on Investment) Worksheet

*Run two paths to the same career and compare. Use the app's calculator to check your math.*

**Career:** ____________________

|  | Path A | Path B |
|---|---|---|
| Describe the path (e.g., private 4-yr vs. in-state public, or degree vs. apprenticeship) | | |
| Cost per year | $ | $ |
| Years to finish | | |
| **Total cost** (cost × years) | $ | $ |
| % covered by scholarships / family | % | % |
| **Estimated debt** (total × [1 − coverage]) | $ | $ |
| Expected starting salary | $ | $ |
| Monthly loan payment (10-yr) — from the app | $ /mo | $ /mo |
| Share of take-home pay it eats | % | % |
| Years for the salary bump to repay the debt | | |

### Read your results
- Which path has the lower debt? ______________________
- Which has the better return — high salary *after* accounting for the debt to reach it? ______________________
- Is there a cheaper road to the **same** job that you overlooked? ______________________

### The verdict on money
For this career, the smartest-money road in is: ______________________

Because: ______________________________________

> Reminder: this is a simplified learning model (10-year repayment, take-home ≈ 75% of salary). Verify real figures with the school's net-price calculator and current [BLS](https://www.bls.gov/ooh/) data. Not financial advice.