[jtcond13]

These calculations seem fishy, for reasons stated above and others (e.g. why 20-year ROI? why exclude graduate degree holders?).

However, it is true that rising education costs are eating much of the ROI of attendance and lack of transparency has made it harder to see where that crossover point is.

But in a world in which the equity and college wage premiums are headed in the directions that they're headed, I would not give this advice to an intelligent 18-year-old.