#11 · Workflow · AL-36 · AL-39 · AL-26 · AL-13 · Education & Career Finance

Education Path Decision Engine

Trade vs. degree NPV → professional degree ROI ranking → graduate school analysis → loan repayment — the financially optimal education path end-to-end. Each step pre-fills the next. Complete the full workflow for a composite lifetime decision.

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1 ✓
Step 1 · AL-36 · Trade vs. Degree ROI Engine
20-Year NPV: Trade / Cert vs. College Degree
Full tool: AL-36 ↗
›
ROI Analysis
$0
20-Year NPV
vs. HS diploma baseline
$0
Net Investment
Cost + opp cost
$0
Annual Wage Lift
vs. HS diploma $35K baseline
0%
BLS 10-Yr Growth
Occupational outlook
→ Baseline peak wage of $0 will anchor professional degree upgrade comparisons in Step 2.
2 ✓
Step 2 · AL-39 · Professional Degree ROI Ranker
MD / JD / MBA / PharmD — Break-Even & Career NPV
Full tool: AL-39 ↗
›
yrs
$
$
Professional Degree Analysis
$0
Career NPV Upgrade
vs. skipping degree (20yr @ 5%)
Age 0
Break-Even Age
When you recoup total investment
$0
Net Degree Cost
After aid, before financing
0.0x
Debt-to-Income Ratio
Net cost ÷ starting salary
→ Degree type —, specialty — will pre-fill graduate school analysis in Step 3.
3 ✓
Step 3 · AL-26 · Graduate School ROI
True Total Investment (with Opportunity Cost) & 20-Yr NPV
Full tool: AL-26 ↗
›
$
yrs
$
$
Graduate School Analysis
$0
20-Yr Program NPV
Lift over undergrad baseline
$0
True Total Investment
Tuition + opportunity cost
0 yrs
Break-Even Years
After graduation
$0
Est. Financed Debt
65% of net tuition financed
Investment Breakdown
→ Estimated financed debt of $0 will pre-fill loan repayment modeling in Step 4.
4 ✓
Step 4 · AL-13 · Student Loan Repayment Optimizer
Plan Comparison: Standard → IBR → PAYE → SAVE → Extended
Full tool: AL-13 ↗
›
$
%
$
Repayment Plan Comparison
Plan Monthly Pmt Total Paid Total Interest Term
$0
Best Plan Monthly
—
$0
Standard 10-yr Monthly
Baseline comparison
$0
Monthly Savings vs. Standard
Best income-driven plan
0%
Payment-to-Income Ratio
Best plan / monthly gross
Explore the full tools used in this demo
AL-36 Trade vs. Degree ROI Engine → AL-39 Professional Degree ROI Ranker → AL-26 Graduate School ROI → AL-13 Student Loan Repayment Optimizer →