 to do it. Nearly half said getting a four-year degree is only worth it if you can do it without borrowing. What is the takeaway here? Well, I think just interesting to watch this trend, number one. Number two, make sure that you are borrowing as little as possible. That requires some effort and some work on your part. My kids did it. They applied for tons of scholarships and got many of them. My wife did it in a major way. Growing up in a single-parent family, they