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> The reason why is if you have a bad year at community college and you just don't want to do it, you're only out a few thousand dollars versus 20 or 30.

Depends on the state. When I was in college, California community college was very affordable, but when I transferred to a Wisconsin school to get a 4-year degree, I learned there that WI community colleges charged the same price per credit hour as UW. Things may have changed since then, but at that time, if you lived in WI, you may as well go to a UW if you can get accepted, cause a community college wouldn't save you money.