Problem 4. A student wants to decide whether to go to a graduate school or not. Going to graduate school average $40,000 per year taking about 2 years. Studying also means that the student will not to income for the next two years, an opportunity lost costing $60.000 per year. However, a graduate worth an extra $23,000 per year in income. Consider student works for 30-years after graduating. comment on wheter the student should go to graduate school if MARR is 8%. Find Present Worth, Future Worth and Internal Rate of Return for this decision.