Olivia must decide whether or not to borrow money to go to college. She can either continue to work as a waitress and earn $22,000 per year or she can go to school and expect to earn $32,000 per year when she finishes, or she will earn an additional $10,000 per year. If her $65,000 of student loans, at 8 percent interest, and she has 10 years to pay the loans back, is she ahead to borrow the money? [For simplicity consider only the information given here: interest, duration, and total amount of the loan.]