but the insurance and retirement is not as good as some states. Plus I have 13 years experience and more education. If they are only making 900 a month they can go to school with Pell grants and low income scholarships. If you are a single mom college is free. Paying for college is VERY different now than even 5 years ago. The problem is that you have to be willing to put in the hours and have the ability to complete the classes. Almost all schools offer an online degree. This is how I am doing my master’s. But it takes a huge amount of discipline to do this. I typically study from 9-11 every night. This is after my daughter goes to bed. Community colleges are set up to help adult students get there degrees. The problem is that it takes a lot of work and there is no immediate pay out. What I see in the school is that if there is not immediate results people do not want to do it. Really is that not what Dave says? It is the same concept as getting out of debt. It takes discipline, hard work, and maybe years to get there.