A college student spends $12,000 (end of the year) in year 1, 15,000 in year 2, 16,000 in year 3, and 18,000 in year 4 in order to acquire a college degree. The increase in potential salary (compared to a high school graduate) is expected to be 500 a year for the first 5 years after graduation. 10,000 a year for the next 10 years and then 30,000 a year for the remainder 20 years before retirement. If the high school graduate could earn 24,000 a year while the student was in college, determine the playback, IRR, NPV of going to college.