please don't use excel

Problem 4. [30 points) We have BS-MS Accelerated Program at UMass Dartmouth where you can obtain a graduate degree in one year, instead of 2yrs valid for traditional programs. A student wants to decide whether to go to a graduate school or not. Going to graduate school will cost in average $30,000 per year taking about 1 years. Studying also means that the student will not receive any income for the next year, an opportunity lost costing $60,000 per year. However, a graduate degree worth an extra $23,000 per year in income. Consider student will work for 30 years after graduating. Create the cash flow diagram for this student assuming the student decided to continue to graduate prigram If MARR is 8%. Find Present Worth, Future Worth for this decision Find external rate of return for this decision . I PW method with 8% FW method with 8% ERR