I was thinking about the financial and human cost of staying in school another two quarters. What are the real costs I wondered. Let’s deal with the financial first. Most graduate students pay roughly $4,000/quarter. So, a couple of semesters is $8,000. With a 15-year repayment schedule at 2017-2018 rates of 6%, the interest is $4,151.54. That’s $12,151.54 more than you signed on for. But that’s only the financial part. What are the human costs? What can you do with an extra 20 weeks not in school? You could exercise and burn some calories, go on vacation, read a book, indulge your hobby, network with others, volunteer, and improve your personal relationships by spending time with family and friends.
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Have a wonderful 2018!
Best, James Lani, PhD