Program Cost & Timing
Many districts cover some/all tuition for approved programs.
Time cost in hours/week — valued at your current hourly rate. Set 0 to ignore.
Salary Impact & Career Inputs
Permanent annual salary increase from moving to the new lane. Find in your district grid or use the Salary Schedule Projector output.
NPV hurdle rate. Default 4% ≈ long-run inflation-adjusted bond return.
Optional. Enter 0 to exclude pension uplift from ROI. A higher FAS from lane change also increases pension benefit.
Teacher Loan Forgiveness (TLF)
Federal TLF: $5,000 after 5 years at a low-income school; $17,500 for highly qualified math, science, or special ed teachers. Statutory since 2004 — ESEA §1059c. studentaid.gov
I am eligible for Teacher Loan Forgiveness
Degree ROI Analysis
Net Present Value of Degree
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Payback (years from enrollment)
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Lifetime lane-bump value (nominal)
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Net out-of-pocket cost
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Pension FAS uplift (lifetime)
ROI Breakdown
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Continue Your Analysis
Teacher Pension Estimator
AL-128 · Estimate your defined-benefit pension, including FAS uplift from this lane change.
Salary Schedule Projector
AL-125 · See the year-by-year salary path before and after the lane change.
NBCT ROI Calculator
AL-127 · Also considering National Board Certification? Model that ROI too.
Export Results
Inbound: AL-125 teacher_salary_schedule_record · Downstream: AL-128 teacher_pension_record