A college graduate with a B.S. in Mechanical Engineering expects to earn, on average, $20,000 per year more than an engineer without a B.S. degree. If the graduate expects to work for 35 years, and the cost of the college education is $100,000, what MARR does the investment represent? Is it a high or low rate of return compared to, say a student loan at 6% per year that might finance the cost?