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> Throw in living costs

I see the point you're trying to make, but I don't see why you'd calculate living costs into the cost of school.

If I'm working I'm likely to have higher living costs as most universities have subsidized housing and meals, not to mention most students live with room mates once they move off campus. I'd guess working people have far fewer room mates and much nicer/expensive accommodations :)

Anecdotally that's how it's been for pretty much everyone I know



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