unit 7: Projected Budget collaborative activity: calculating return on investments (10-20 minutes) oBjectiVe: StuDentS WiLL CALCuLAte tHe return on inVeStMent oF tAKing ADVAntAge oF FinAnCiAL AiD. Ask students to create small groups of two or three. Have the groups work together to calculate the return on investment for three educational investments as well as investing in a fancy car. groups should be prepared to share their calculations and their reasoning: is investing in your education worth it? What about investing in a car? summary: costs of not going to college (5 minutes) oBjectiVe: StuDentS WiLL reFLeCt on tHe FinAnCiAL AnD oPPortunitY CoStS ASSoCiAteD WitH not PurSuing PoStSeConDArY trAining. tell students that while there are definitely many costs associated with going to college, there are just as many or more costs associated with not going. now, show students the second t-chart you made before class. Label this one " Costs of not going to college. " Have students identify all of the financial and opportunity costs they will encounter if they opt out of postsecondary training. remind students that you don't expect them to be experts on financial aid today, or to know exactly whether or not they are going to go to college. Just let them know that you expect them to keep their options open, so they can make the best choice for themselves in the future, based on what they value and how they want to invest in themselves. LeSSon 33: CoLLege CoStS AnD FinAnCiAL AiD 319