????本文為與《Money》雜志的合作內容，原文最初發表于Money.com。

????想讀商科的人在選擇大學時都有個同樣的問題：我的投資回報如何？如果我要承擔大約28,400美元的學生貸款，未來的收入能高到足以彌補這筆錢嗎？

????經濟學家通常認為大學文憑是物有所值的，不過PayScale的最新研究給那些想要主修商科的學生帶來了更好的消息：你沒必要去昂貴的私立大學來獲得最大的回報。實際上，州立大學往往更勝一籌。

????PayScale計算了美國所有大學的預期“回報”——20年中本科生比高中生多掙了多少錢，再減去上學期間的總費用（從學費到書本費等一切費用）和進修4年所放棄的收入。

????主修商科的話，投資回報最高的學校是哪家？答案是，加州大學伯克利分校（就總體而言，這所大學位居《Money》雜志最佳大學榜單第13位）。顯然，要在商業上取得成功，你需要一雙勃肯鞋（Birkenstock，德國平價鞋品牌，在加州大學伯克利分校的校園里流行——譯注）。

????對于一位加州學生來說，加州大學伯克利分校的學費和其他花費超過34,000美元，平均每位貸款的學生會帶著23,360美元的債務畢業。不過在接下來的20年中，這筆錢的平均投資回報為1,133,100美元。

????少年老成的投資者也許可以從另一個角度看待這些數字：其年化投資回報率為12.2%。想在股市中獲取這樣的投資回報率，那的確需要很好的運氣。

????排名前25的學校中，還有9所公立學校：弗吉尼亞大學、北卡羅來納大學、羅格斯大學、華盛頓大學、加州大學洛杉磯分校、紐約州立大學賓漢姆頓分校、喬治亞理工學院、加州大學圣迭戈分校和加州州立理工大學。

????為什么公立學校表現更出色？PayScale的莉迪亞?弗蘭克在郵件中表示：“這可能是更低的學費和更好的地理位置共同導致的結果。你可以看到，榜單上排名靠前的公立學校都位于加利福尼亞州這樣的地方，這些地區薪水更高。如果學生畢業后留在這些地方就業，他們的待遇就比那些去美國中西部的公立學校上學并工作的學生更好。

????This post is in partnership with Money. The article below was originally published at Money.com.

????Anyone with a mind for business has the same question about college: What’s the return on my investment? If I’m going to take on some $28,400 in student debt, will that stake pay off in a lifetime of higher earnings?

????Economists generally agree that a college degree pays off, but new research from PayScale has even better news for students planning on majoring in business: You don’t have to go to a pricey private school to reap the biggest return. In fact, you’re often better off at a state school.

????PayScale calculates the expected “return”for colleges all around the country—how much more graduates earn over 20 years compared to high school grads, minus the total cost of school (everything from tuition to books) and the four years of income you give up while you’re studying.

????The best return on investment for business majors? An education at the University of California-Berkeley (which overall ranks as the 13th best college value in MONEY’s Best Colleges list). Apparently the road to business success is lined with Birkenstocks.

????The total in-state tuition and expenses is over $34,000, and the average borrower leaves Berkeley with $23,360 in loans. But that pays off with a median $1,133,100 return on investment over 20 years.

????Precocious young investors might see those numbers a different way: That’s a 12.2% annualized ROI. Good luck finding that kind of return in the stock market.

????And nine more public schools make the top 25 list: University of Virginia, University of North Carolina, Rutgers, University of Washington, UCLA, SUNY at Binghamton, Georgia Institute of Technology, University of California-San Diego, and Cal Poly.

????Why do public institutions fare so well? “It’s likely a combo of lower tuition costs and location,” Lydia Frank of PayScale writes in an email. “You’ll notice that many of the public schools that rank well on that list are located in places like California where salaries tend to be higher. If alumni are sticking around after graduation, they’re going to fare better than students who went to public school somewhere in the Midwest and ended up working there.”

????當然，這九所公立學校投資回報如此高的部分原因，還在于本州學生預先支付的學費要低得多。不過即便你考慮到那些州外學生的成本，公立學校依舊在榜上名列前茅。例證：即便州外學費高達每年57,000美元以上，去加州大學伯克利分校依舊是最好的選擇。

????Of course, part of the reason those nine public schools offer such a high return on investment is because your upfront cost is much smaller when you pay in-state tuition. But even when you consider the cost for out-of-staters, public institutions top the list. Case in point: You’re still best off going to Berkeley, even if you have to pay more than $57,000 a year in out-of-state tuition.

????說明：費用包括學費、雜費、食宿費、書本費和日常用品費；不包含那些大學本科畢業后繼續進修的學生的收入；PayScale并未獲得某些學校具有統計意義的收入數據，所以沒有將它們納入排行榜。（財富中文網）

????Notes: Cost of tuition, fees, room and board, books, and supplies; does not include the salaries of college graduates who went on to get more advanced degrees; schools excluded if PayScale does not have statistically significant samples of earnings data.