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The most cost effective way to pay for college would probably be to use something called CLEP tests. Check with the school of your choice and see how many alternative transfer credits they will accept from CLEP. Try to find a school that will accept up to 60 credits of CLEP. Then, study for CLEP tests until you earn 60 credit's worth, transfer in, then complete your degree. CLEP tests usually are $100 including the study material and can earn you anywhere from 4-12 credits per test.

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