University Average Starting Salary

Princeton University $58,300

Harvard University $50,700
Dartmouth College $54,100
Columbia University $54,700
Yale University $48,900
University of California-Berkeley $52,100
Pennsylvania State University $48,600
New York University $48,700
University of Texas - Austin $48,800
Rutgers University of New Jersey $48,500

University Average Monthly Salary

Princeton University $4,858.33
Harvard University $4,225.00
Dartmouth College $4,508.33
Columbia University $4,558.33
Yale University $4,075.00
University of California-Berkeley $4,341.67
Pennsylvania State University $4,050.00
New York University $4,058.33
University of Texas - Austin $4,066.67
Rutgers University of New Jersey $4,041.67
Average Annual Cost of Attendance Fixed Federal Loan Interest
$57,628.00 3.86%
$60,240.00 3.86%
$64,034.00 3.86%
$64,949.00 3.86%
$61,333.00 3.86%
$32,479.00 3.86%
$31,517.00 3.86%
$65,303.00 3.86%
$25,587.00 3.86%
$29,512.00 3.86%

Monthly Loan Payment Total Amount Paid After 10 Years

$2,548.94 $305,872.73
$2,664.47 $319,736.47
$2,832.28 $339,873.92
$2,872.75 $344,730.47
$2,712.81 $325,537.79
$1,436.58 $172,389.12
$1,394.03 $167,283.10
$2,888.41 $346,609.40
$1,131.74 $135,808.38
$1,305.34 $156,641.15
Total Degree Cost Total Note Payable Upon Repayment
$230,512.00 $253,421.29
$240,960.00 $264,907.65
$256,136.00 $281,591.91
$259,796.00 $285,615.66
$245,332.00 $269,714.16
$129,916.00 $142,827.62
$126,068.00 $138,597.19
$261,212.00 $287,172.39
$102,348.00 $112,519.79
$118,048.00 $129,780.12

Total Interest Paid % of Monthly Salary Spent on Loan Repayment

$75,360.73 52.47%
$78,776.47 63.06%
$83,737.92 62.82%
$84,934.47 63.02%
$80,205.79 66.57%
$42,473.12 33.09%
$41,215.10 34.42%
$85,397.40 71.17%
$33,460.38 27.83%
$38,593.15 32.30%
Total Interest Accrued During College
$22,909.29
$23,947.65
$25,455.91
$25,819.66
$24,382.16
$12,911.62
$12,529.19
$25,960.39
$10,171.79
$11,732.12

Net Disposable Income/Month Per Year

$2,309.39 $27,712.73
$1,560.53 $18,726.35
$1,676.05 $20,112.61
$1,685.58 $20,226.95
$1,362.19 $16,346.22
$2,905.09 $34,861.09
$2,655.97 $31,871.69
$1,169.92 $14,039.06
$2,934.93 $35,219.16
$2,736.32 $32,835.89
Year 2006 2007
Rate 6.80% 6.80%

Year 2006 2007

Rate 6.80% 6.80%

University 2002 2003

Princeton University $26,160 $27,230
Harvard University $26,019 $27,448
Dartmouth College $26,562 $27,771
Columbia University $26,891 $28,385
Yale University $26,100 $27,130
University of California-Berkeley $15,197 $16,580
Pennsylvania State University $15,522 $17,610
New York University $25,380 $26,646
University of Texas - Austin $10,096 $10,490
Rutgers University of New Jersey $15,829 $16,866

University
2002 2003
Princeton University $25,945.09 $27,399.27
Harvard University $25,848.23 $27,552.99
Dartmouth College $26,175.53 $27,692.23
Columbia University $26,645.84 $28,129.90
Yale University $25,924.67 $27,284.34
University of California-Berkeley $15,866.07 $17,760.12
Pennsylvania State University $15,723.02 $17,401.19
New York University $25,059.89 $26,773.38
University of Texas - Austin $7,429.61 $10,166.31
Rutgers University of New Jersey $17,954.99 $18,903.90

University 2003
Princeton University 4.09%
Harvard University 5.49%
Dartmouth College 4.55%
Columbia University 5.56%
Yale University 3.95%
University of California-Berkeley 9.10%
Pennsylvania State University 13.45%
New York University 4.99%
University of Texas - Austin 3.90%
Rutgers University of New Jersey 6.55%

University Total Degree Cost Total Note Payable Upon Repayment

Princeton University $154,230.42 $157,839.41
Harvard University $167,645.06 $171,553.10
Dartmouth College $186,603.93 $190,901.99
Columbia University $221,952.31 $226,986.97
Yale University $177,120.69 $181,205.55
University of California-Berkeley $165,422.57 $169,197.63
Pennsylvania State University $112,538.08 $115,182.00
New York University $192,478.50 $196,902.84
University of Texas - Austin $177,037.43 $181,031.44
Rutgers University of New Jersey $144,181.02 $147,457.84

University Overall Average Starting

Salary Average Starting Salary with BS/BA
Princeton University $58,300 $67,138
Harvard University $50,700 $88,437
Dartmouth College $54,100 $73,698
Columbia University $54,700 $56,595
Yale University $48,900 $68,747
University of California-Berkeley $52,100 $57,109
Pennsylvania State University $48,600 $52,236
New York University $48,700 $50,111
University of Texas - Austin $48,800 $60,429
Rutgers University of New Jersey $48,500 $46,333
 Federal Subsidized Interest Rates
2008 2009
6.80% 6.80%

Federal Unsubsidized Interest Rates

2008 2009
6.00% 5.60%

Tuition
2004 2005
$28,540 $29,910
$29,060 $30,620
$29,145 $30,465
$29,788 $31,472
$28,400 $29,820
$20,068 $23,686
$18,828 $20,784
$28,496 $30,094
$11,268 $14,435
$17,715 $18,248
Predicted Tuition

2004 2005
$28,770.88 $30,059.91
$29,175.97 $30,717.17
$29,208.93 $30,725.63
$29,696.61 $31,350.58
$28,644.01 $30,003.67
$19,653.22 $21,545.37
$18,958.84 $20,395.98
$28,486.02 $30,197.80
$12,901.64 $15,635.60
$19,902.95 $20,954.81
Tuition Growth Rate
2004 2005
4.81% 4.80%
5.87% 5.37%
4.95% 4.53%
4.94% 5.65%
4.68% 5.00%
 21.04% 18.03%
6.92% 10.39%
6.94% 5.61%
7.42% 28.11%
5.03% 3.01%

Total Interest Accrued During College

$3,608.99
$3,908.04
$4,298.06
$5,034.66
$4,084.86
$3,775.05
$2,643.92
$4,424.34
$3,994.01
$3,276.82

Percent Increase/Decrease Monthly Loan Payment

15.16% $1,565.44
74.43% $1,701.45
36.23% $1,893.35
3.46% $2,251.24
40.59% $1,797.18
9.61% $1,678.09
7.48% $1,142.37
2.90% $1,952.87
23.83% $1,795.46
-4.47% $1,462.48
nterest Rates
2010 2011
6.80% 6.80%

Interest Rates
2010 2011
4.50% 3.40%

Tuition
2006 2007
$31,450 $33,000
$32,097 $33,709
$31,965 $33,501
$33,246 $35,166
$31,460 $33,030
$23,961 $25,338
$21,744 $22,712
$31,690 $33,420
$16,310 $20,364
$19,753 $20,356
Predicted Tuition

2006 2007
$31,266.36 $32,390.24
$32,176.60 $33,554.24
$32,242.33 $33,759.03
$33,096.68 $34,940.02
$31,363.34 $32,723.01
$23,436.59 $25,326.86
$21,712.61 $22,908.72
$31,908.73 $33,618.81
$18,368.21 $21,099.45
$22,062.25 $23,228.23
Tuition Growth Rate
2006 2007
5.15% 4.93%
4.82% 5.02%
4.92% 4.81%
5.64% 5.78%
5.50% 4.99%
 1.16% 5.75%
4.62% 4.45%
5.30% 5.46%
12.99% 24.86%
8.25% 3.05%

Total Amount Paid After 10 Years Total Interest Paid

$187,852.71 $33,622.29
$204,174.12 $36,529.06
$227,202.42 $40,598.49
$270,149.34 $48,197.03
$215,662.17 $38,541.47
$201,371.05 $35,948.48
$137,083.91 $24,545.82
$234,344.38 $41,865.88
$215,455.26 $38,417.83
$175,497.45 $31,316.43
 2012 2013
6.80% 3.86%

2012 2013
3.40% 3.86%

2008 2009
$33,000 $34,290
$34,998 $36,173
$35,178 $36,915
$37,223 $39,326
$34,530 $35,300
$26,785 $28,264
$23,712 $24,940
$35,290 $37,372
$24,544 $27,760
$22,059 $22,518

2008 2009
$33,431.55 $34,390.27
$34,850.11 $36,064.19
$35,275.73 $36,792.43
$36,886.03 $38,940.42
$34,082.67 $35,442.34
$27,216.18 $29,104.57
$23,984.31 $24,939.39
$35,328.03 $37,036.41
$23,829.33 $26,557.85
$24,455.82 $25,748.29

2008 2009
0.00% 3.91%
3.82% 3.36%
5.01% 4.94%
5.85% 5.65%
4.54% 2.23%
 5.71% 5.52%
4.40% 5.18%
5.60% 5.90%
20.53% 13.10%
8.37% 2.08%

% of Monthly Salary Spent on Loan Repayment Net Disposable Income/Month

27.98% $4,029.39
23.09% $5,668.30
30.83% $4,248.15
47.73% $2,465.01
31.37% $3,931.73
35.26% $3,080.99
26.24% $3,210.63
46.77% $2,223.05
35.65% $3,240.29
37.88% $2,398.60
 Static Subsidized Interest Rates
2014 2015 2016 2017
3.86% 3.86% 3.86% 3.86%

Predicted Unsubsidized Interest Rates

2014 2015 2016 2017
3.10% 2.91% 2.80% 2.75%

Predicted Tuition
2010 2011 2012 2013 2014
$35,340 $36,060.00 $36,771.00 $37,399.42 $37,945.27
$37,012 $38,247.02 $39,215.77 $40,102.74 $40,907.93
$38,679 $39,825.83 $41,342.53 $42,859.23 $44,375.93
$41,316 $43,398.85 $45,815.98 $48,367.73 $51,061.61
$36,500 $38,161.67 $39,521.34 $40,881.01 $42,240.67
$31,022 $32,878.53 $34,764.10 $36,648.73 $38,532.43
$25,946 $26,488.00 $27,081.53 $27,554.55 $27,907.05
$38,765 $40,450.61 $42,156.43 $43,861.41 $45,565.54
$30,006 $32,010.82 $34,735.27 $37,458.37 $40,180.12
$24,044 $28,541.76 $30,050.17 $31,638.29 $33,310.35

Average Percent Error in

2010 Forecasting Equations
$35,266.42
$37,196.50
$38,309.13
$41,109.24
$36,802.01
2.95%
$30,992.02
$25,773.95
$38,743.93
$29,285.01
$27,109.07

2010
3.06%
2.32%
4.78%
5.06%
3.40%
 9.76%
4.03%
3.73%
8.09%
6.78%

Per Year
$48,352.73
$68,019.59
$50,977.76
$29,580.07
$47,180.78
$36,971.89
$38,527.61
$26,676.56
$38,883.47
$28,783.26
Tuition
2015 2016 2017
$38,408.55 $38,789.24 $39,087.36
$41,631.34 $42,272.97 $42,832.82
$45,892.63 $47,409.33 $48,926.03
$53,905.52 $56,907.83 $60,077.35
$43,600.34 $44,960.01 $46,319.67
$40,415.20 $42,297.02 $44,177.92
$28,139.04 $28,250.52 $28,241.47
$47,268.83 $48,971.27 $50,672.86
$42,900.51 $45,619.55 $48,337.25
$35,070.78 $36,924.24 $38,875.65
 Federal Subsidized Interest Rates from 2006-2013
8.00%

7.00% f(x) = 0.000364285714239 x² − 1.46959761886094 x + 1482.18636171717

R² = 0.902645999133688
Moving average trend line with period = %PERIOD
R² = NaN
6.00%

5.00%
Original Data
Interest Rate

Moving average
4.00%
Polynomial (Ori
Polynomial (Ori
3.00%

2.00%

1.00%

0.00%
2005 2006 2007 2008 2009 2010 2011 2012 2013 2014
Year

Tuition Growth
$45,000

f(x) = 1.97791034680133E-43 exp( 0.05420886193909 x )

R² = 0.999682223611881

$40,000 f(x) = 3431268.84306588 ln(x) − 26059109.4540367

f(x)
R² ==0.998115471742148
1516.7 x − 3010257.86666667
R² = 0.996157136872729
f(x) = −1359.66666666667
40.8896103896104x −x²2696128
+ 165467.65021645 x − 167354665.50303
R² = 0.998672969294821
0.994950034952513
$35,000 f(x) = − 41.2878787878789 x² + 166812.136363637 x − 168449968.575758
R² = 0.990840634761216

f(x) = 3792826.2636043 ln(x) − 28816827.3345187

f(x)==0.96507130121516
R² 5480234.86038255 ln(x) − 41652778.5156283
$30,000 R² = 0.960166848976532

f(x) = − 60.2575757575756 x² + 243009.76060606 x − 244977213.048484

uition Price

$25,000 R²
f(x)==0.995893569893053
2.92192826858041E-41 exp( 0.051452515557546 x )
R² = 0.993060733315661

$20,000
 f(x) = 3792826.2636043 ln(x) − 28816827.3345187
f(x)==0.96507130121516
R² 5480234.86038255 ln(x) − 41652778.5156283
$30,000 R² = 0.960166848976532

Tuition Price f(x) = − 60.2575757575756 x² + 243009.76060606 x − 244977213.048484

$25,000 R²
f(x)==0.995893569893053
2.92192826858041E-41 exp( 0.051452515557546 x )
R² = 0.993060733315661

$20,000

$15,000

$10,000

$5,000

$0
2001 2002 2003 2004 2005 2006 2007 2008 2009

Year
om 2006-2013

171717

Original Data
Moving average (Original Data)
Polynomial (Original Data)
Polynomial (Original Data)

2013 2014

tion Growth

65.50303

968.575758

13.048484

Princeton University
Polynomial (Princeton
University)
Harvard University
Polynomial (Harvard
13.048484

Princeton University
Polynomial (Princeton
University)
Harvard University
Polynomial (Harvard
University)
Dartmouth College
Linear (Dartmouth College)
Columbia University
Exponential (Columbia
University)
Yale University
Linear (Yale University)
U.C. Berkeley
Logarithmic (U.C. Berkeley)
Penn State University
Polynomial (Penn State
University)
New York University
Logarithmic (New York
University)
U.T. Austin
2007 2008 2009 2010 2011
Logarithmic (U.T. Austin)
Rutgers
Exponential (Rutgers)
 University Formula
Princeton University y = -41.28787878788x2 + 166,812.136363641x -
168,449,968.575762
Harvard University y = -40.889610389615x2 + 165,467.650216469x
- 167,354,665.503049
Dartmouth College y = 1,516.7x - 3,010,257.86667
Columbia University y = 2E-43e0.0542x
Yale University y = 1,359.66667x - 2,696,128
University of California-Berkeley y = 3,792,826.27851304ln(x) -
28,816,827.4477296
Pennsylvania State University y = -60.257575757576x2 + 243,009.760606061x
- 244,977,213.048486
New York University y = 3,431,268.85654969ln(x) -
26,059,109.55630850
University of Texas - Austin y= 5,480,234.88191693ln(x) -
41,652,778.6792653
Rutgers University of New Jersey y = 3E-41e0.0515x
 Type Coefficient of Determination

Polynomial 0.99084

Polynomial 0.99867
Linear 0.99616
Exponential 0.99968
Linear 0.99495

Logarithmic 0.98161

Polynomial 0.99589

Logarithmic 0.99812

Logarithmic 0.96017
Exponential 0.99306