I used the cover oregon calculator, I entered 19 years old with a 20,000k income and it came to 89 dollars per month......It sure is a good deal, but at 9.00 p/h it just another bill that is going to be hard to pay........There are all kinds of good deals around, but if you don't have the money the deals don't seem as good......after next christmas the change everybody has been hearing about will really come true.....Or maybe the change is that nickel he just gave to people in oregon to get them up to 9.00 p/h.......