I have to make a plan for a monthly payment deposit for the next 15 years.
The account pays 4.5% annual interest, compounded monthly. I have to use the
FV function to determine the % of college tuition saved.

Out of State Annual Tuition=40000
Rate(per month)=4.5%/12
Nper(number of monthly payments)=15*12
Pmt(payment per period)=375
Percentage of Tuition Saved=FV/Tuition for 4 years

For the Future Value, I used =-FV(0%/12,180,375), which gave me a return of
69,423.38. Am I going in the right direction?