I applied for FAFSA and I then looked into getting free money, which is what you should do. So far I'll only have to pay back $1500 out of the $12,000 I've received. I decided to go the cheap route which is junior college for my AS in Accounting/Business Admin., and then transfer to a four year university for the last two years. I just got done with my finals today and I only have one more semester before I have my AS. But the thing that bums me out is that in order to sit for the CPA exam I have to go to graduate school, which means I won't be done with school until I am 30/31.