30-Year Cumulative Net Wealth Trajectory
Elite Ivy Path
State University
Vocational Trade
Elite Ivy League
DTI High
Year 14
Breakeven Year vs. Trade
Total Loan Interest:
$63,420
Initial Monthly Pay:
$1,843
State University
DTI Mod
Year 6
Breakeven Year vs. Trade
Total Loan Interest:
$10,871
Initial Monthly Pay:
$380
Vocational Trade
DTI Minimal
Year 1
Immediate Positive Earnings
Total Loan Interest:
$680
Initial Monthly Pay:
$53
Trajectory Insight
State University reaches net wealth parity faster, while Elite University requires 14+ years of sustained high wage growth to overcome debt drag.
$160,000
$0 (Debt Free)
$250k (Max Debt)
6.8%
0% (Subsidized)
12% (High Private)
$65,000
$30,000
$150,000
4.5%
0.5% (Modest)
10.0% (Aggressive)