Not many people use that assumption when calculating total expense.
Using that assumption then the average university student debt figures would increase rapidly too as each student wont be in full time employment over their education period, therefor loosing 4 years salary and at an average of say 20k per year, that means going to university would cost 100k (assuming an average of 20k debt from university)!
Give me a fATPL at 70k please!
Rote 8, out of curiousity how much did you pay for your training without adding your loss of income?