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. Michelle S.

    Good job Lance!

  2. Mel @ brokeGIRLrich

    I agree – shooting through college is totally the way to go. I made it out in 3 years with a double major thanks to AP Classes and summer classes. The community college by my parents house even had winter session classes that were week long intensives during Christmas break that I took one winter. That was a little rough, honestly.

    i did make a lot of good friends there though and I was pretty sad to move on quickly. But I visited a lot and many of them are still my good friends, even though I shot out of there like a bat outta hell.

    1. Michelle S.

      Good job to you too Mel!

  3. Melissa

    The only thing I did to graduate sooner, and thus save a little bit of money, was to take grad school classes in the summer. That saved me SOME money, but grad school summer classes were almost as expensive as grad school regular-quarter classes, so it really just saved me money in rent (I moved out sooner because I graduated sooner).

    Honestly, I made my best friends in college – so for that reason, I’m glad I had the ‘typical’ experience. Also, like you, I took 18 credits every semester, but instead of graduating earlier, I just double majored and studied abroad. You and I just took different paths – I needed college to grow up and become an independent adult – some people don’t! 🙂

    1. Michelle S.

      Sounds like you took a great path Melissa! 🙂

  4. Michelle L @ Eat and Sip in the City

    Thank you for sharing your story – that definitely takes motivation and passion and dedication and you did it ! And like you said, you created different kinds of memories and have other relationships so no reason to dwell on feeling like you missed out on college shenanigans 😉

    1. Michelle S.

      Thanks Michelle! 🙂

  5. Michelle S.

    Sounds like you did well!

  6. Jaye Cantagallo

    You are a very focus driven young lady! My daughter just turned 26…. I wish she had half of your drive and ambition! Congratulations!

    1. Michelle S.

      Thank you Jaye 🙂

  7. Syed

    Nothing wrong with finishing college quickly. It can still be enjoyed while you focus on your goals and get your work done. Those people that “enjoy” college for 5 or 6 years are the ones that are in for some rough times in the real world. Great job.

    1. Michelle S.

      Thanks 🙂

  8. Christina G.

    You are obviously a mature and driven young lady. It took me 18 years to get to degrees while working full-time. I was a single parent though, which makes a difference. Thanks for sharing!

    1. Michelle S.

      Yes, it would be much more difficult with children in the mix. Good job!

  9. EarlyRetirementGuy

    So lucky that you’re able to ‘hack’ the system in this way over in the US. Great job taking the initiative to work harder earlier on and save yourself big bucks by cutting back on the expensive college time. Wish we could do something similar in the UK but over here you must attend university for the full 3 years even though only about 30% of the time is actually spent in lectures.

    1. Michelle S.

      Is there a reason you must spend 3 years? You can’t take more classes? Interesting!

      1. Melanie

        Its because you do not sign up for classes- they are prescribed based on the degree you enrol on. We start on our subject right from the beginning here in the UK- we do not spend time taking a mixture of classes then picking a major, which is why our degrees are only 3 years in length, and not 4. You must complete all your prescribed modules per year, no more no less!

  10. Suburban Finance

    You are such a hard worker! I took my time and followed the normal path — although I worked all the way through college to finance my studies. I can’t imagine how busy you were doing everything like that. Good for you that you managed to get some credits during high school so you could finish college earlier although you were doing night classes. Keep up the hard work but don’t forget to enjoy your life now! 🙂

    1. Michelle S.

      Thanks! 🙂 Don’t worry, I’m enjoying life. I have a ton of free time now.

  11. Marie @ Financial Debauchery

    All I can say is, WOOWW!!!! You’re such a great inspiration Michelle! But honestly, I didn’t know that you can take college classes while you’re in high school.

    1. Michelle S.

      Yup, you can!

  12. Ronaldo Pangilagan

    Wow! Most of us really wanted to finish college as fast as we can. This is a very helpful tip for everyone. Thanks for sharing this to us.. 🙂

    1. Michelle S.

      Thanks Ronaldo!

  13. Michelle Li

    I would love to learn more about learning to use go daddy.

    1. Michelle S.

      May I ask what your questions are regarding it? I can try to help 🙂

  14. Kayla @ Shoeaholicnomore

    I graduated early from college too and used most of these same tips as you. I too skipped the partying part of college and instead worked full time and took a full course load too. I am into my 4 year school with 30 credit hours from summer classes and college classes taken during my senior year of HS. I knew where I wanted to go to college so I made sure that everthing I took from my local community college would transfer once I graduated HS and moved to my 4 year school.

    1. Michelle S.

      Good job Kayla!

  15. Alexandra @ Real Simple Finances

    I powered through my MA by taking 5 classes in my first semester; you pay the same fee whether you take 3, 4 or 5 classes, so I figured I would bite the bullet. I was insanely disappointed when one class that I needed to take to graduate wasn’t offered in the Spring, and I had to stay an extra semester. Still, I took on a teaching assistantship which came with a 50% tuition discount.

    I didn’t have those “typical college experiences” either, and I am fine with it! I preferred working, seeing my friends from before college, and taking classes to partying with people I hardly knew. 🙂

    1. Michelle S.

      Sounds like we are pretty similar Alexandra! 🙂