One of my major grievances with our college system as currently constituted is bundling: low/middle-income students who want to pay for the degree & education also have to borrow to pay for the perks, lifestyle & bureaucracy they don't want, so others can have it.
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Depends on what you consider the credential to be. If the credential involves the school name, then yeah, you have to pay for that. If it's just the degree from an accredited school, then, again, it's pretty do-able.
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