I have little to no sympathy for these individuals. I agree with Karl's points, which means it will never happen. I did a career in the military and without a degree, could not get a job being a contractor. Starting in Jan of 05, starting from scratch, completed a BS in Business and minor in Economics with honors in exactly 24 months. I took several "loans" and viewed going to college as my Job, 24/7/365. All loans paid off in 26 months. It can be done, just what is your motivation? If it's to party, maybe you don't have the chops to be there...