JA Build Your Future™ allows teens to explore more than 100 careers; see what levels of education are required , from no education to a doctorate; learn about potential income; and then calculate the cost of education, including factoring the cost of attending in-state, out-of-state public universities and private universities. Teens can then adjust the level of money they and their parents will contribute, combined with student loans they may need to secure. At the end of the exercise, teens are given a Return on Investment (ROI) score between 1 and 5. A score of 1 means it will be difficult to pay off the debt accrued based on future income; 5 means they should have no problem paying off debt with estimated future income.