Take my time during undergrad or get out as soon as I can?

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A student at a community college in Ohio is preparing to transfer to a university with a planned major in Chemical Engineering, having completed most general curriculum and some advanced coursework. They express a strong interest in math, physics, and chemistry, and aim to finish their degree in three years, potentially extending their studies to pursue a double major in Math and gain additional research or internship experience. Financial aid prospects appear limited, leading to concerns about accruing significant debt. The student is weighing the benefits of a quicker graduation against the opportunity to deepen their education and enhance career prospects, including the possibility of teaching at a community college with a master's degree in Chemical Engineering or Math. The discussion highlights the tension between educational aspirations and financial considerations in pursuing higher education.
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I have spent a great year at a local community college (in Ohio), and combined with some summer credits there and credits from high school will have virtually all of my general curriculum done and most first year/some second year stuff. My planned major is Chemical Engineering.

I guess one detail left out is how I'm going to pay for my university education (transferring this fall). I have always enjoyed math and I have come to enjoy physics, chemistry and am interested in engineering as a career thus my planned major. Given that I have a two year degree right now I should be able to finish the curriculum in 3 more years. However I would like to take an extra quarter or two during summer + an extra year to pick up a double major (Math) and hopefully pick up some more research or internship opportunities.

I haven't received all of the info pertaining to my financial aid but from what I've read it probably won't be very generous and I will likely have to take out a substantial loan anyway. Would it be worth it to spend so much time and money on the undergrad level or just finish it in 3 years (would likely still have time for internship)? I would like to eventually (not immediately) go to graduate school for either major (math, chemical engineering or similar) and one motivation for the math major is that I would also like to teach part time at a community college but with a masters in Chemical Engineering or similar I may still be able to teach some classes depending on the individual college and how many other qualified professors they have hired...
 
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Both have merits. If you're running up debt, you probably want to finish things up earlier.
 
Hey, I am Andreas from Germany. I am currently 35 years old and I want to relearn math and physics. This is not one of these regular questions when it comes to this matter. So... I am very realistic about it. I know that there are severe contraints when it comes to selfstudy compared to a regular school and/or university (structure, peers, teachers, learning groups, tests, access to papers and so on) . I will never get a job in this field and I will never be taken serious by "real"...
Yesterday, 9/5/2025, when I was surfing, I found an article The Schwarzschild solution contains three problems, which can be easily solved - Journal of King Saud University - Science ABUNDANCE ESTIMATION IN AN ARID ENVIRONMENT https://jksus.org/the-schwarzschild-solution-contains-three-problems-which-can-be-easily-solved/ that has the derivation of a line element as a corrected version of the Schwarzschild solution to Einstein’s field equation. This article's date received is 2022-11-15...

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