ROI on College Education

If you have read my BLOG before you know I am completing my Master's degree in Adult Education and Training.  While I am a proponent of learning throughout our life, I am trying to understand the Return On Investment (ROI) on completing my Master's degree.  I am approaching my mid 40's and will be paying my in excess of $50K of student loans for a minimum of the next 10 years, if not the next 25. 

While studies show that college graduates statistically make more than those without college degrees, I don't see any studies that show the loss of payments into 401K or Retirement funds calculated within them.  I read today that this Business Week study does have marked declines in the ROI but it still seems to support the educational systems as they are at this time.  

I believe wholeheartedly that if someone has the opportunity to learn at the college level they should.  However, the cost/benefit is not what it used to be.  Be an informed consumer!!!