CC because financial problems used wrongly

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Maggols

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hahaha wow I really think I got the wrong message across :laugh: I too have attended both a CC and a university, so I'm not bashing anybody, I was just pissed when someone told me they felt they were disadvantaged that they only went to a CC as opposed to a university as a pharmacy school applicant because they couldn't afford it when I know for a fact that they actually did poorly in high school due to laziness and excess partying and thought I would blow off my steam here. Sorry for over-generalizing and making rash statements.
 
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Just curious to the people who bring up the example of not having the financial capability of attending a 4-year university... how on earth do you plan on going to pharmacy school? If you're answer to that question is "I will take out loans to cover my tuition/expenses", then your financial reasoning for not going to a 4 year school is invalid. In fact, as an undergraduate at a university, you are eligible to receive MUCH more financial aid than you do at a pharmacy school. I received about half of my education for FREE through government grants and scholarships, the other half through loans. So if you are going to bring up if going to a CC is a disadvantage, you better realize it is because you probably went to a CC for a number of reasons such as: 1.) You did poorly in high school and were not accepted to any university, 2.) You are older and have a family and did not have the time/ability to attend a full-time university, 3.) Your parents did not allow you to go to a university 4.) ect. ect. ect... but please, financial reasons are not acceptable in my opinion.

I'm not saying that going to a CC is bad, in fact it is beneficial in many ways. If you went to a CC for a legitimate reason then by all means please tell the adcoms (and I'm sure they will understand). But please do not lie and say you didn't have the financial capability and were "forced" to attend a CC and now you feel you've been wronged when someone who came from a distinguished 4-year university who worked their ass off with no money and got a 3.0 is somehow at an advantage to you. I know if I were an admissions board member and read that I would look deeper to find the real reason (or just throw out the app altogether). I've just been reading a lot of people using this as a reason and I thought I'd throw in my 2 cents.

Unless those gov't loans just evaporate as soon as they get their BA or BS, loans are still loans. If you were going to rack up loans no matter where you went to school, why wouldn't you pick a CC, which is considerably cheaper than a 4 year university? You said you got about half of your education paid by the gov't, but what about the other half? I bet the half you paid was probably more expensive than the cost to go to a CC...
Everyone has their own reasonings to go to a CC or 4 year university and financial hardship is a perfectly legitimate reason to go to a CC.
 
Just curious to the people who bring up the example of not having the financial capability of attending a 4-year university... how on earth do you plan on going to pharmacy school? If you're answer to that question is "I will take out loans to cover my tuition/expenses", then your financial reasoning for not going to a 4 year school is invalid. In fact, as an undergraduate at a university, you are eligible to receive MUCH more financial aid than you do at a pharmacy school. I received about half of my education for FREE through government grants and scholarships, the other half through loans. So if you are going to bring up if going to a CC is a disadvantage, you better realize it is because you probably went to a CC for a number of reasons such as: 1.) You did poorly in high school and were not accepted to any university, 2.) You are older and have a family and did not have the time/ability to attend a full-time university, 3.) Your parents did not allow you to go to a university 4.) ect. ect. ect... but please, financial reasons are not acceptable in my opinion.

I'm not saying that going to a CC is bad, in fact it is beneficial in many ways. If you went to a CC for a legitimate reason then by all means please tell the adcoms (and I'm sure they will understand). But please do not lie and say you didn't have the financial capability and were "forced" to attend a CC and now you feel you've been wronged when someone who came from a distinguished 4-year university who worked their ass off with no money and got a 3.0 is somehow at an advantage to you. I know if I were an admissions board member and read that I would look deeper to find the real reason (or just throw out the app altogether). I've just been reading a lot of people using this as a reason and I thought I'd throw in my 2 cents.


This entire post looks more like a rant against people who attended a CC. If you hadn't been accepted to a pharmacy school I would seriously be under the impression that you were beaten out by someone who did go to a CC. I have attended a CC to get my Associate's Degree and then transferred to a regular university. Financially it DOES make sense. It is absolutely acceptable to use that as a reason. Why? For starters, let me compare costs at two of the schools I have been to. A community college in my hometown costs approximately 1200 per quarter and that's full time. Tuition at my current college is triple that, at around 3600 per quarter. So lets see... approximately 3600 per year at a CC, or 10000 a year at a university? That leaves you either 20 grand in debt or 7200 in debt if you finished your pre-reqs in two years time. Now add pharmacy school debt.

Maybe I'm not reading totally in between the lines here. Maybe you are angry that someone who you know that attended a CC got into the same school you did and you thought that you were better than them, that they should not be accepted to a school that you got into? Who gives a **** about what other reasons someone went to a CC? So what if you did bad in high school so you didn't get accepted to a state university? Does it really matter?
 
I wish I went to a CC instead of going to LIU for Pre-Pharmacy. Instead of being $90K in debt before starting pharmacy school, I wouldn't have even been in debt at all if I went to CC or even CUNY, I would have been able to pay off my tuition with my earnings.
 
In fact, as an undergraduate at a university, you are eligible to receive MUCH more financial aid than you do at a pharmacy school. I received about half of my education for FREE through government grants and scholarships, the other half through loans.

My point is, you will be taking on a much larger amount of loans when you go to pharmacy school anyways, so how is this a valid excuse? Undergraduate loans can be deferred while in pharmacy school. That's why I'm not worried about them nor was I ever. My debt from undergraduate will be something of about 15% of what my total debt will be from pharmacy school + undergrad. There are some exceptions, like people who didn't plan on going to pharmacy school until after they started CC, or people that took breaks after CC and didn't want high loans.. but my original comment is targeted to the people who are wrongly using financial hardship as an excuse.
 
Why do you care why someone went to a community college? Shouldn't this be between the student and the admissions committee? I don't think you're entitled to an explanation from anybody. Also, maybe someone felt that it would be better for them not have an additional $40k in undergraduate loans in addition to the ~$150K they have to take out for pharmacy school. As aplif3 mentioned, those loans just don't vanish, they have to get paid sooner or later.
 
Just curious to the people who bring up the example of not having the financial capability of attending a 4-year university... how on earth do you plan on going to pharmacy school? If you're answer to that question is "I will take out loans to cover my tuition/expenses", then your financial reasoning for not going to a 4 year school is invalid. In fact, as an undergraduate at a university, you are eligible to receive MUCH more financial aid than you do at a pharmacy school. I received about half of my education for FREE through government grants and scholarships, the other half through loans. So if you are going to bring up if going to a CC is a disadvantage, 😱 you better realize it is because you probably went to a CC for a number of reasons such as: 1.) You did poorly in high school and were not accepted to any university, 2.) You are older and have a family and did not have the time/ability to attend a full-time university, 3.) Your parents did not allow you to go to a university 4.) ect. ect. ect... but please, financial reasons are not acceptable in my opinion.😱

I'm not saying that going to a CC is bad, in fact it is beneficial in many ways. If you went to a CC for a legitimate reason then by all means please tell the adcoms (and I'm sure they will understand). But please do not lie and say you didn't have the financial capability and were "forced" to attend a CC and now you feel you've been wronged when someone who came from a distinguished 4-year university who worked their ass off with no money and got a 3.0 is somehow at an advantage to you. 😱 I know if I were an admissions board member and read that I would look deeper to find the real reason (or just throw out the app altogether). I've just been reading a lot of people using this as a reason and I thought I'd throw in my 2 cents. 😱





I honestly do not see the point of this thread - like someone else mentioned, this looks like a frustrated rant, not like a thread with encouraging advice and helpful info. Why are you questioning someone's decision to attend CC anyway ? Everyone has a different pathway to pharmacy and just because it's different from yours doesn't mean there is anything wrong with it.

P.S. It's a good thing that you are not an admissions member, you exhibit intolerance and sound like you have a lot of personal growth and maturation to do.
 
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Just curious to the people who bring up the example of not having the financial capability of attending a 4-year university... how on earth do you plan on going to pharmacy school? If you're answer to that question is "I will take out loans to cover my tuition/expenses", then your financial reasoning for not going to a 4 year school is invalid. In fact, as an undergraduate at a university, you are eligible to receive MUCH more financial aid than you do at a pharmacy school. I received about half of my education for FREE through government grants and scholarships, the other half through loans.


I don't agree with there being more money available as an undergraduate. Not every 4 year school is public. So, some schools will cost much more than others.

Not everyone will qualify for grants, nor have the credit to take out additional loans.

Staffords loans are available to everyone, regardless of credit.

Stafford loan limits as an undergrad:


Dependent Students
  • Year 1: $5,500 (no more than $3,500 can be subsidized)
  • Year 2: $6,500 (no more than $4,500 can be subsidized)
  • Years 3-5: $7,500 per year (no more than $5,500 can be subsidized)
Independent Students (and dependents whose parents are unable to borrow the Federal PLUS Loan)
  • Year 1: $9,500 (no more than $3,500 can be subsidized)
  • Year 2: $10,500 (no more than $4,500 can be subsidized)
  • Years 3-5: $12,500 per year (no more than $5,500 can be subsidized)
So, at maximum, only $5,500 - 12,500 is available to everyone. This is before your EFC is even considered.



As a pharmacy school student, Stafford loan limits increase dramatically to $33,000 per year. NOTE - not all schools consider their students to be professional students for the 1st year, but they are in the minority.


There is quite a bit more available for pharmacy school than there is for undergraduate. Granted pharmacy school will cost more, but $33K is significantly more than $12,500.
 
This is the kind of thread that you later regret making.
 
Wow I wasn't trying to offend anybody.. I just got angry as I read a few people using this reason improperly. Let me rephrase my point. The notion that every person that attends a 4-year university is rich is incorrect. Also, the notion that every person that attends a CC is not rich is also incorrect. The people who say they went to a CC because they couldn't afford a university but actually it was because of another reason should tell the truth instead of using this excuse. I'm sorry to anybody who took it the wrong way.
 
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Wow I wasn't trying to offend anybody.. I just got angry as I read a few people using this reason improperly. Let me rephrase my point. The notion that every person that attends a 4-year university is rich is incorrect. Also, the notion that every person that attends a CC is not rich is also incorrect. The people who say they went to a CC because they couldn't afford a university but actually it was because of another reason should tell the truth instead of using this excuse. I'm sorry to anybody who took it the wrong way.

Your reasoning and logic are faulty, I won't waste my time doing the simple math but at least few things you should consider:

- going to CCs is SIGNIFICANTLY less than going to a 4-year university, even with financial aid

- not everyone qualifies for financial aid

- some people would like to not have any undergraduate loans for a number of reasons, hence going to CC provides that option
 
Just curious to the people who bring up the example of not having the financial capability of attending a 4-year university... how on earth do you plan on going to pharmacy school? If you're answer to that question is "I will take out loans to cover my tuition/expenses", then your financial reasoning for not going to a 4 year school is invalid. In fact, as an undergraduate at a university, you are eligible to receive MUCH more financial aid than you do at a pharmacy school. I received about half of my education for FREE through government grants and scholarships, the other half through loans. So if you are going to bring up if going to a CC is a disadvantage, you better realize it is because you probably went to a CC for a number of reasons such as: 1.) You did poorly in high school and were not accepted to any university, 2.) You are older and have a family and did not have the time/ability to attend a full-time university, 3.) Your parents did not allow you to go to a university 4.) ect. ect. ect... but please, financial reasons are not acceptable in my opinion.

I'm not saying that going to a CC is bad, in fact it is beneficial in many ways. If you went to a CC for a legitimate reason then by all means please tell the adcoms (and I'm sure they will understand). But please do not lie and say you didn't have the financial capability and were "forced" to attend a CC and now you feel you've been wronged when someone who came from a distinguished 4-year university who worked their ass off with no money and got a 3.0 is somehow at an advantage to you. I know if I were an admissions board member and read that I would look deeper to find the real reason (or just throw out the app altogether). I've just been reading a lot of people using this as a reason and I thought I'd throw in my 2 cents.

I pretty much agree w/ what everyone has said. And in particular, I really agree with the person that said thank god you aren't on an adcom, because you do seem intolerant. any way that you put it, most people that read your post would agree I bet. You sound snobby and like you think you are better than everyone else that went to a JC instead of a University..

Also, I've gone to both so I think I have some valid points.

I went to Wayne State University for a semester w/o books, the price tag on that was $3400. I took 12 credits. I also have gone to Oakland University, taken one course there-- $1200. The majority of my credits are from my local CC.. and each semester 12-14 credits is between 800-1300 at most.

I also feel like the education that I get from my CC is of more value right now-- w/ the small class sizes of <30, you get a lot of attention from your professors. And knowing that I have to take the PCAT, I really need to get a lot out of my classes.

But of course I DO see how taking courses at universities are beneficial and advantageous when it comes to pharm school, because the environment is much more similar probably.. but I think you need to get off your high horse and be more tolerant of others choices.

Taking classes at both, I feel like my opinion is very educated and warranted.
 
Wow I wasn't trying to offend anybody.. I just got angry as I read a few people using this reason improperly. Let me rephrase my point. The notion that every person that attends a 4-year university is rich is incorrect. Also, the notion that every person that attends a CC is not rich is also incorrect. The people who say they went to a CC because they couldn't afford a university but actually it was because of another reason should tell the truth instead of using this excuse. I'm sorry to anybody who took it the wrong way.

If that is the case, this thread should have been called "DONT LIE ON YOUR APP" and addressed multiple inaccuracies and misrepresentations that many individuals use during their application process. Unfortunately it is neither your right nor place to pass judgment on people who attended a CC for ANY reason. There are people who attended 4-year colleges for the wrong reason i.e. someone chose State because it is a major party school, chose 'State because there are better looking women, etc etc etc.
 
There are people who attended 4-year colleges for the wrong reason i.e. someone chose State because it is a major party school, chose 'State because there are better looking women, etc etc etc.

Totally! I only went to Arizona State University because it's a huge party school and the women were hot!

JK =)
 
My choices for school had to be predominantly liberal with few republicans - I HATE intolerant people!
 
well speaking for myself, a number of factors were involved in my decision:

- i graduated high school with a gpa of 3.4 (so I could have gone to a univ):

BUT:
- my family lives on a very low income (my mother is on disability and my father works at a gas station because my mother is frequently sick so he has to stay home for her)
-since i am older, i figured that i could go to a cc, stay at home, and help my family financially by getting a job and giving my dad a bit of a stress reliver (he has heart problems as well) at the same time-getting my education
-during my senior year-i had NO idea what i wanted to do-and i didnt want to go to a univ for 4 years and change my major every time i had a change of heart (and i did that constantly at my cc 🙂) so i figured that i could just work on my gen eds before i realize what i want to pursue, etc

so all in all, i thought that the cc worked to my advantage. yes, with my family's financial situation, i MOST likely would have gone to a univ for practically free-but i knew my parents needed me (my dad is the only one who would take my sisters to school, me to high school, and my mom to her const doct appts, + work) so i knew my family needed me at home.

now that i am nearing the end of my 2nd year at my cc-i have one more year left, and i have a decent job with some money saved for my univ-and i feel better knowing i can leave my family to go away to school and focus on my courses

so to me-it was my family that convinced me to stay (im really close with my parents) *although i do know that my parents would never let them be the reason why i didnt go to a univ (they dont know i stayed for them-my dad is big on education and he would have taken out loans that he prob couldnt afford to send me off to school)

but i DO know many students who were capable of going to a univ and intelligent enough-but opted not to.

and one of the benefits of a cc is:
- smaller class size/teachers help students better with the subject
- very cheap tuition
 
hahaha wow I really think I got the wrong message across :laugh: I too have attended both a CC and a university, so I'm not bashing anybody, I was just pissed when someone told me they felt they were disadvantaged that they only went to a CC as opposed to a university as a pharmacy school applicant because they couldn't afford it when I know for a fact that they actually did poorly in high school due to laziness and excess partying and thought I would blow off my steam here. Sorry for over-generalizing and making rash statements.
 
hahaha wow I really think I got the wrong message across :laugh: I too have attended both a CC and a university, so I'm not bashing anybody, I was just pissed when someone told me they felt they were disadvantaged that they only went to a CC as opposed to a university as a pharmacy school applicant because they couldn't afford it when I know for a fact that they actually did poorly in high school due to laziness and excess partying and thought I would blow off my steam here. Sorry for over-generalizing and making rash statements.
So? People change, and I think it is wrong of you to judge. What your grades were like in high school has no effect on the admissions factor for gaining acceptance into Pharmacy school.

My younger brother (another partier in high school) goes to a CC because he didn't see the need for spending a lot of money just for taking general education courses at a state university. He also took it into consideration that my family cannot afford another kid going to a state school when i'm going to an out of state university, and paying for out of state tuition.

This thread blows, and I think you need some growing up to do and get off your high horse. 👎

-during my senior year-i had NO idea what i wanted to do-and i didnt want to go to a univ for 4 years and change my major every time i had a change of heart (and i did that constantly at my cc 🙂) so i figured that i could just work on my gen eds before i realize what i want to pursue, etc

I wish I had gone to this direction fresh out of high school. I thought I was too smart for a CC (I was studious in high school), I wanted to go to a real college, and I ended up changing my mind two years into my major (and A LOT of money was wasted-- out of state tuition, and costs of living in Manhattan). I really believe in the CC route after high school. If I had done this before, we probably would have had my other brother going to a state school by now.
 
hahaha wow I really think I got the wrong message across :laugh: I too have attended both a CC and a university, so I'm not bashing anybody, I was just pissed when someone told me they felt they were disadvantaged that they only went to a CC as opposed to a university as a pharmacy school applicant because they couldn't afford it when I know for a fact that they actually did poorly in high school due to laziness and excess partying and thought I would blow off my steam here. Sorry for over-generalizing and making rash statements.

dont worry about it. i feel the same way sometimes when i look at some of my classmates who complain there butt of when they say something like how hard their test was and they should NOT have failed when they WERE JUST telling a friend about a party that had gone to last nite that was "so wicked!"🙄

and i dont think that cc students are at a disadvantage-rather they are getting a good education IF THEY MAKE THE MOST OF IT! it all depends on the person! thats why there are those people who go from a cc in 2 years to ucla or usc, etc and then there are the students who have been in that school for the past 6 years (smelling of drugs and other abused substances and dressing as if they were going to a funeral:laugh:) (jk😉)
 
^maybe i shouldnt have said that-maybe ill get the bashing now.

ok time to go. 🙂
 
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I think most people who go to a CC know there is a stigma associated with it. Like it or not, some places aren't going to be ecstatic when they see your application and see that you're a CC student. However, I think that if you go on from a CC then to a 4 year school, you'll be in a better place to apply to pharmacy school. It's getting tougher every year to gain admission into pharmacy school and most schools are starting to require a 4 year degree. Those that don't will most likely prefer a 2 year university student vs a 2 year CC student if everything else is equal.
 
freakin' a

i read this thread title as "credit cards because of a financial problem, used the wrongly."

👎
 
I currently attend a 4 year university but I'm switching over to CC instead.

I regret coming here; I hate this place! And now I owe 3000 dollars back. Waste of my money. Had I started with CC, I would not have had to pay a penny! Part of the reason I'm switching back to CC is because I wouldn't have to pay so much money for undergrad education. In fact, after I'm done with CC I'm going to a CSU as opposed to UC because it's cheaper.
 
by the end of next spring i will have completed 3 years of cc,
and then i will go to a private univ to complete my ba for bio

i talked to the univ rep today, and she said with my financial situation, i would most likely get most of the tuition covered by financial aid from the govt, not to add the scholarships that i will apply for (the school is like 27K per year)

i told her that i was debating about going to a csu school, and she said that if i apply to a uc school like ucsb or ucla, and i get accepted, then they will match the public school price (since i AM a cal resident🙂) and that would save me at least 10K right there. so im planning on applyin to those two uc schools to see where it gets me
 
My choices for school had to be predominantly liberal with few republicans - I HATE intolerant people!

Republicans are intolerant. That is new. I also hate people who present arguments without logic.
 
Republicans are intolerant. That is new. I also hate people who present arguments without logic.

You missed my cleverly hidden irony. This joke only seems to work in person.
 
You missed my cleverly hidden irony. This joke only seems to work in person.

Well, nice rebuttal. :idea: I guess nobody wants to be with someone who can't give up the bible for just one single night. I think I get a sense of where the irony comes in.
 
You missed my cleverly hidden irony. This joke only seems to work in person.

If it makes you feel any better, I got it.

And as a huge proponent of the CC system, I think this thread stinks.

Pharmacy school requirements, by and large, are lower division classes so it stands to reason that, if completed by an accredited institution that they will hold every bit as valid as a class completed at a 4-year school!

I seriously don't get why people have such a hard time grasping this particular concept except for the "OMG IT IS LIKE, SO UNFAIR" factor. Look at it this way - you have a BA/BS, and the CC'ers don't. There ya' go.

Taking where I am applying, UoP in California, for example. They do accept CC applicants, and the admit many of them! However, the GPA requirement is steep, set at 3.70 minimum cumulative GPA. This is not an easy task.

So I mean, can we stop the hate, please?
 
hahaha wow I really think I got the wrong message across :laugh: I too have attended both a CC and a university, so I'm not bashing anybody, I was just pissed when someone told me they felt they were disadvantaged that they only went to a CC as opposed to a university as a pharmacy school applicant because they couldn't afford it when I know for a fact that they actually did poorly in high school due to laziness and excess partying and thought I would blow off my steam here. Sorry for over-generalizing and making rash statements.

:slap::diebanana:😡:bullcrap::wtf:
 
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ok, I think the problem is that there are many different calibers of community colleges. I graduated from a really tough private university and then had to spend this entire year at community college finishing pre-reqs... (decided pharmacy too late). I just went to the closest CC to my house, and it's really overly easy...like easier than high school. I had to study and study and study and study to get a 3.2 GPA at my university, but I have yet to get a final grade lower than a 98 at community college and I literally look things over the day of the tests. I just don't see how that level of classes alone could prepare me for the PCAT or the work involved in pharmacy school. I think I might just be at a really easy CC, but still... it just isn't as challenging as I think it should be.
 
ok, I think the problem is that there are many different calibers of community colleges. I graduated from a really tough private university and then had to spend this entire year at community college finishing pre-reqs... (decided pharmacy too late). I just went to the closest CC to my house, and it's really overly easy...like easier than high school. I had to study and study and study and study to get a 3.2 GPA at my university, but I have yet to get a final grade lower than a 98 at community college and I literally look things over the day of the tests. I just don't see how that level of classes alone could prepare me for the PCAT or the work involved in pharmacy school. I think I might just be at a really easy CC, but still... it just isn't as challenging as I think it should be.

Mine wasn't challenging either. It's funny, a lot of people said the classes were hard there, but I waited till the night before to study exams and still made A's. However, my university wasn't that much different. The science classes were a little harder, but the only reason I didn't ace those test were because I procrastinated too much and had a lot of other things on my mind at the time. If I actually sat down and studied for more than a day, those tests would have been doable. It's just not CCs that are easy. There are plenty 4 year colleges that aren't that challenging either.
 
My choices for school had to be predominantly liberal with few republicans - I HATE intolerant people!

That's essentially every top tier collegiate institution in the U.s. hah
 
That's essentially every top tier collegiate institution in the U.s. hah

Haha, not necessarily. The conservative students don't run their mouths cuz they're too busy with school/getting the high paying/power jobs. :laugh:
 
Haha, not necessarily. The conservative students don't run their mouths cuz they're too busy with school/getting the high paying/power jobs. :laugh:


no wonder the economy fell apart. 🙄
 
no wonder the economy fell apart. 🙄

shh...no one wants to say it....but the economy fell apart because minorities couldn't pay their mortgages and don't know how to read contracts.

Thank you CRA.
 
shh...no one wants to say it....but the economy fell apart because minorities couldn't pay their mortgages and don't know how to read contracts.

Thank you CRA.

No wonder the new president happens to be a minority 🙄

(BTW, your come back was as weak as your school's accreditation status)
 
No wonder the new president happens to be a minority 🙄

(BTW, your come back was as weak as your school's accreditation status)

lol, so much for being secure. go look up CRA, get back to me in a week.:laugh:
 
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CRA- Carefully Rejected Applicant 😎
 
hahaha wow I really think I got the wrong message across :laugh: I too have attended both a CC and a university, so I'm not bashing anybody, I was just pissed when someone told me they felt they were disadvantaged that they only went to a CC as opposed to a university as a pharmacy school applicant because they couldn't afford it when I know for a fact that they actually did poorly in high school due to laziness and excess partying and thought I would blow off my steam here. Sorry for over-generalizing and making rash statements.
I had the option between CC and a 4 year university...I opted to go to the 4 year school because the price was about the same...the 4 year might have been a little bit more.
 
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