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1. Tuition at Syracuse is now $6,500 per year. The expected growth rate in tuiti

ID: 2648408 • Letter: 1

Question

1.

Tuition at Syracuse is now $6,500 per year.

The expected growth rate in tuition 5% per year.

Your goal to have enough funds in 18 years to pay for four years at Syracuse without having to borrow.  

If you come up short of your plan you will resort to student loans.

You plan to save $100 per month for 18 years. Your savings grows at 3% per year.

You will not have to borrow to help finance four years of college at Syracuse.

True or False

2.

Tuition at Syracuse is now $6,500 per year.

The expected growth rate in tuition 5% per year.

Your goal to have enough funds in 18 years to pay for four years at Syracuse without having to borrow.  

If you come up short of your plan you will resort to student loans.

You plan to save $200 per month for 18 years. Your savings grows at 5% per year.

You will not have to borrow to help finance four years of college at Syracuse

True or False

3.

Tuition at Syracuse is now $6,500 per year.

The expected growth rate in tuition 5% per year.

Your goal to have enough funds in 18 years to pay for four years at Syracuse without having to borrow.  

If you come up short of your plan you will resort to student loans.

You plan to save $100 per month for 18 years. Your savings grows at 5% per year.

You will not have to borrow to help finance four years of college at Syracuse

True or False

Explanation / Answer

1.

Tuition at Syracuse is now $6,500 per year.

The expected growth rate in tuition 5% per year.

Your goal to have enough funds in 18 years to pay for four years at Syracuse without having to borrow.  

If you come up short of your plan you will resort to student loans.

You plan to save $100 per month for 18 years. Your savings grows at 3% per year.

You will not have to borrow to help finance four years of college at Syracuse.

False

Working

Amount needed in 18 year = 6500*1.05^18 + 6500*1.05^19/1.03 + 6500*1.05^20/1.03^2 + 6500*1.05^21/1.03^3

Amount needed in 18 year = $ 64,418.30

Amount accumulated if $ 100 deposited per month at 18 year = fv(rate,nper,pmt,pv)

Amount accumulated if $ 100 deposited per month at 18 year = fv(3%/12,18*12,100,0)

Amount accumulated if $ 100 deposited per month at 18 year = $ 28,594.04

Amount needed to borrow = 64418.30 - 28594.04

Amount needed to borrow = $ 35,824.26

2.

Tuition at Syracuse is now $6,500 per year.

The expected growth rate in tuition 5% per year.

Your goal to have enough funds in 18 years to pay for four years at Syracuse without having to borrow.  

If you come up short of your plan you will resort to student loans.

You plan to save $200 per month for 18 years. Your savings grows at 5% per year.

You will not have to borrow to help finance four years of college at Syracuse

True

Working

Amount needed in 18 year = 6500*1.05^18 + 6500*1.05^19/1.05 + 6500*1.05^20/1.05^2 + 6500*1.05^21/1.05^3

Amount needed in 18 year = $ 62,572.10

Amount accumulated if $ 200 deposited per month at 18 year = fv(rate,nper,pmt,pv)

Amount accumulated if $ 200 deposited per month at 18 year = fv(5%/12,18*12,200,0)

Amount accumulated if $ 200 deposited per month at 18 year = $ 69,840.40

3.

Tuition at Syracuse is now $6,500 per year.

The expected growth rate in tuition 5% per year.

Your goal to have enough funds in 18 years to pay for four years at Syracuse without having to borrow.  

If you come up short of your plan you will resort to student loans.

You plan to save $100 per month for 18 years. Your savings grows at 5% per year.

You will not have to borrow to help finance four years of college at Syracuse

False

Working

Amount needed in 18 year = 6500*1.05^18 + 6500*1.05^19/1.05 + 6500*1.05^20/1.05^2 + 6500*1.05^21/1.05^3

Amount needed in 18 year = $ 62,572.10

Amount accumulated if $ 100 deposited per month at 18 year = fv(rate,nper,pmt,pv)

Amount accumulated if $ 100 deposited per month at 18 year = fv(5%/12,18*12,100,0)

Amount accumulated if $ 100 deposited per month at 18 year = $ 34,920.20

Amount needed to borrow = 62572.10 - 34920.20

Amount needed to borrow = $ 27,651.90