Earned my BA in 3 years despite having 3 kids and paid cash. First masters offered a assistantship but didn’t take it because college was a hour each way and would have had to go everyday versus 2days/week plus had a p.t. Job so we paid cash. 2nd masters got a full ride including a stipend of 300/month but it was 6 hours away so had to rent a apartment. Finished in 1 year. PhD paid cash.