How I Graduated From College In 2.5 Years With 2 Degrees AND Saved $37,500

One thing that has been on my mind this month is how I graduated with my Finance MBA two years ago. It feels like a lifetime ago, but then again it also feels like it was just yesterday. This has also reminded me about how I graduated with my undergraduate degrees over 4 years ago….

Michelle Schroeder-Gardner

Last Updated: June 18, 2025

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One thing that has been on my mind this month is how I graduated with my Finance MBA two years ago.

It feels like a lifetime ago, but then again it also feels like it was just yesterday.

This has also reminded me about how I graduated with my undergraduate degrees over 4 years ago. For some reason, people don’t believe that’s true, and I was even recently asked to provide proof from a reader…

I know, I have a baby face! The fact that I look a decade younger than I actually am is a whole ‘nother story though.

If you’re wondering the below, please continue reading!

  • How to graduate college in 3 years
  • How to finish college in 2 years
  • How to get a bachelor’s degree in 2 years
  • Can you finish college in 2 years
  • How to graduate college in 2 years

Related: 21 Ways You Can Learn How To Save Money In College

The main reason why I got so heavily into school was because I wanted to keep busy. I was a freshman in college when my father passed away.

I took four days off from my full-time job after he passed but I quickly went back to keep my mind off of everything that was going on around me. I then worked and went to school a crazy amount of hours to keep my mind off of it. This continued for years and it was my way of dealing with it all.

As a side note, I really didn’t mean for this post to turn slightly depressing but I’m just stating what happened.

There were other reasons for why I rushed through college as well:

  • You might save money. Many colleges (such as the one I went to) charge a flat tuition fee for those attending anywhere from 13 to 18 credit hours. So, whether you take 13 credits or 18 credits, you usually pay the exact same amount of money. Considering the average person takes around 12 to 13 credit hours each semester, that’s a lot of money wasted in my eyes.
  • You can move on quicker. It might be just me, but I couldn’t wait to be done with school. Since I finished so quickly, I was able to dedicate this free time towards something else.
  • You can (hopefully) earn a higher income sooner. Okay, so this isn’t always true, but many people go to college in hopes of making more money when they graduated. After my dad passed away, I officially realized I was completely on my own. I didn’t want to live paycheck to paycheck forever, so I worked towards graduating early so that I could eventually make more money.

Now, I know many of you will say “but college is meant to be enjoyed!”

Yes, that is one thing I definitely missed out on since I went through school so quickly. I worked full-time the entire time I was in college, and I missed out on a lot of “normal” college experiences. I was in one college club, and I joined it about a year before I graduated from college so that I could have something college related to put on my resume.

I didn’t make any lifelong friends in college either. Which probably sounds depressing but I promise it’s not. I still have the same friends I’ve had since high school and that is, of course, fine by me.

I also didn’t live in a dorm or college apartment, instead I rented a tiny home (less than 400 square feet and dingy) so I didn’t have the college party experience either.

But I don’t mind. I am who I am today because of my past, and I am happy with the life I have today.

Many people have asked me “Can you finish a degree in two years?

Here are the actions I took to graduate from college in 2.5 years:

 

I took college classes in high school.

When I was in my senior year, almost all of my classes were classes where I was earning college credit. I took AP classes and classes that earned me college credit from nearby private universities (but I took them in the comfort of my high school). I believe I left high school with 14 credit hours (it might have been 18, I cannot remember). This way I knocked out a whole semester of college.

Also, these classes were cheap. I believe it was around $100 per credit hour instead of the normal cost which was anywhere from $500 to $1,000 per credit hour.

My senior year in high school was a breeze even though I was taking so many college classes. I could have taken even more but I had early release each day from school and got out 3 hours early so that I could go to work instead. So, I had plenty of time to work, go to school, and earn college credits.

 

I took a full course load.

When I was in college, I almost always took a full course load.  I took 15 credit hours one semester, but the other semesters I took 21 to 24 credit hours.

I was able to save money because I almost always took the maximum amount. There were also semesters where I paid an extra fee so that I could take 24 credit hours each semester. Anything over 18 credit hours meant I had to pay the extra fee, but it didn’t really bother me. I still saved money by paying less in fees because I wasn’t adding additional semesters to my course load.

 

I took classes one summer.

I regret not doing this more often. I did go to college in the summer time one semester though. I took 12 credit hours and even had to beg the Dean at the college for permission, but he still allowed it. The classes were easy and I had no problem doing this.

I also was able to save money because I took these summer college classes at a community college. I believe it was around $1,500 for all 12 credit hours, which is a steal!

 

I made sure all my classes transferred.

When I took classes for college credit in high school and at the community college, I made sure all of the classes transferred to the university in which I was getting my degree from.

I have heard too many stories about people not checking this ahead of time and wasting years by taking classes that didn’t transfer, and that is just not worthwhile to me.

I even have a friend who had 66 credit hours which didn’t transfer. That is just insane to me!

 

I took night classes.

For some reason, night classes have a bad reputation among certain people. I’m not sure why that is though.

Night classes are literally the exact same thing as day classes, except they are at night time. Yes, it’s really that simple.

Being able to take night classes helped me graduate sooner because I was able to work full-time during the day and attend my college classes at night time. If it weren’t for the night classes, I don’t think I would have been able to graduate as early as I did at all.

Are you trying to graduate from college quickly or are you taking your time? Did you earn any college credits outside of where you earned your degree? Are you interested in learning how to get a bachelor’s degree in 2 years?


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Michelle Schroeder-Gardner

Author: Michelle Schroeder-Gardner

Hey! I’m Michelle Schroeder-Gardner and I am the founder of Making Sense of Cents. I’m passionate about all things personal finance, side hustles, making extra money, and online businesses. I have been featured in major publications such as Forbes, CNBC, Time, and Business Insider. Learn more here.

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  1. laurie damrose

    I am gong back in the Fall,I was fortunate enough to get money through FASFA.

    1. Michelle S.

      Awesome! Good luck 🙂

  2. Janice Dean

    Very good information! Thanks for sharing 🙂

    1. Michelle S.

      Thanks Janice!

  3. Michelle S.

    Thanks! And I agree, not everyone can do it. It takes a lot of determination. I was able to keep my grades up and I graduated with around a 3.9 GPA (I can’t remember the exact number).

  4. Michelle S.

    Thanks! I probably should have mentioned that I still hung out with my friends when I was in college. It just wasn’t a daily thing. It was more like a few times a week 🙂

  5. Michelle S.

    Aww thanks Thomas!

  6. Michelle S.

    Thanks 🙂

  7. Mary Hill

    I loved college. I wish I could go back. Right now I am taking free courses

    1. Michelle S.

      Free courses sound great!

  8. Sarah

    You are SO much better off though for not having a “normal” college experience. Those that only take 12 credit hours a semester (which was the minimum at my college for “full time”) and spent every weekend partying are now neck deep in debt and struggling to make ends meet. You are young, no debt, and enjoying life NOW rather than later (if ever) because you worked hard when you were young(er).

    I finished my teaching degree in four years (instead of the standard five) by taking the full amount every semester (18 credits) and taking a full load every summer.

    1. Michelle S.

      Good job on graduating ahead of time as well Sarah!

  9. Jason B

    I was in no rush to graduate from college lol. I was there for 5.5 years. I enjoyed every minute of it. It’s amazing that you’re still friends with people you went to high school with. I don’t keep in contact with anybody from high school. I met most of my lifelong friends in college.

    1. Michelle S.

      Oh I didn’t go to high school with my friends. Haha I was just friends with them during my high school years. I don’t talk to a single person from high school actually.

  10. Newlyweds on a Budget

    you’ve just always seemed wiser than your years. Yes, you’ve made sacrifices, but it seems like it’s paying off for you now!

    1. Michelle S.

      Thanks! 🙂

  11. Fanny @ Living Richly on a Budget

    I took one AP class in high school and even that helped a lot in college. You are such a hard worker! Don’t forget to enjoy life a little.

    1. Michelle S.

      Thanks Fanny!

  12. KK @ Student Debt Survivor

    I took a bunch of extra credits when I was in college, but I still graduated in 4 years (I was a double major so I needed a bunch of extra classes). I loved college life so I don’t regret being there for the full 4 years, although it would have been nice to leave with less student debt.

    1. Michelle S.

      Good job!

  13. Cat@BudgetBlonde

    I graduated a semester early even with transferring. I missed out on the “experience” too because Hurricane Katrina hit my freshman year and pretty much devastated everything I knew for months on end – Also I am a nerd and never set foot in a bar in college haha.

    1. Michelle S.

      I’m sorry about Hurricane Katrina 🙁 I’m sure that was devastating.

      Also, if it helps I didn’t step foot in a bar in college either since I graduated at the age of 20 and wasn’t legally able to! Hahaha

  14. Kate@GoodnightDebt

    I pretty much did the opposite of you. I changed my major several times, transferred schools three times and studied abroad for a year (no regrets on this one!) It took me 4.5 years to graduate (including a summer term). It certainly wasn’t a cheap way to figure out what I wanted to do, but it got me where I needed to be.
    Now that I have siblings starting college, I hope they take your path and not mine. Excellent job! What a work ethic!

    1. Michelle S.

      Thanks Kate! still sounds like you did well.

  15. James Salmons

    Congratulations on your achievement and thanks for sharing. Your outstanding character and ability to focus on important goals is evident.

    One thing I really appreciate is something too often missing in educational decisions. You did well to consider and check out factually whether all your hours would transfer. Many junior colleges and the like will tell you their hours will transfer when they don’t to your chosen school but even worse, many students assume they will without asking. I have witnessed it all to often and it is sad.

    It is the same with students who graduate with degrees that really do them no good when it comes to getting a job. To succeed in life you have to keep your eyes open and check out the facts before making important decisions.

    Not everyone would want to make the same choices you did, but everyone would be well advised to take on the achievement of their chosen goals with the same enthusiasm and drive.

    Again, a great achievement on your part.

    1. Michelle S.

      Thank you James! 🙂