[mgraczyk]

Not student. By "23 year old", I meant a CS grad one year out of school who has been working for a year at a large tech company. Even if the tech grad had the 2014 national average student loan debt of ~$29k for all majors (tech majors have less debt), after 1 year the student will have easily paid off the debt and saved $25k.

[mattlutze]

Such a person won't be a "typical tech grad" as the typical tech grad is not going to end up at Google (there just aren't enough slots, if nothing else). But, in the parameters, gotcha.