I was somewhat shocked to calculate the capital value of my study because it was negative and not by a small amount.

People keep being surprised by this one, probably because lately "college" has become associated with "career" and "career" with "money".

If your goal is to become a more well-rounded, complete person, with an appreciation for all of humanity's great works, in the company of people very learned in different ways of approaching study, then it should not surprise you that you've spent resources on net to do so.