Thinking of a Masters in 2015

[bsinsc]

Do you ever listen to Dave Ramsey? He talks all the time about people getting useless degrees. Of course, they don't know they are useless at the time until they can't find a job and are $100k in debt.

While I'm far from "living like no one else" Larry Burkett the inspiration for Dave Ramsey's baby steps equated getting a degree like investing in yourself. It is true that many find education to be of little value when they complete that education, yet Dave Ramsey has his degree, without debt as he says himself, he also advocates a for profit Christian college in his advertising that costs on average $500 per credit hour although the price reduces the more you take with that particular school. While in the past community college education was enough as an entry to some decent professions this has advanced (unfortunately) so that a BA is the new entry level requirement, while I work towards a reduced cost education and the hope in the future of being able to "live like no one else" I must press on in each step that will allow me to reach my goal. Testing out of classes allows me the liberty of more time at home and a less expensive education even if I decided to attend that college in Tennessee like Dave Ramsey did.

As Dave mentions in his motivation class "if you had to find $5,000 for your sick child without borrowing it, could you do it?" For me my degree is my goal and I'm taking every step without debt to achieve it with the help of some of my friends on this forum. The encouragement found here is inspiring

Absolutely....a degree is always a good goal to have and a great investment in yourself. No argument there. I wish more teenagers/early 20's realized how much money and time could be saved if they tested out of at least some subjects like the rest of us did. My college age nieces and nephews don't listen to me. Two have graduated with nice degrees from good colleges....and a lot of student loan debt. I wonder how much of that could have been avoided if they had tested out of at least some of the basics for $100 each? I plan on having my 15 year old start taking some cleps this summer. He already has 3 credits from his current high school in engineering as a freshman!