<prompt> Human: Going back to school for a 4 year degree in Business, a waste of time effort money?I DONT wish to fall into debt, of what I see on here and PovertyFinance of complaints and misery.I would start off at a junior college and transfer later. And I would use FAFSA government financial aid for classes and books, and a school grant from work, and Grants offered at school.  <response>: It really, really depends on what you hope to apply that degree to. 