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I personally am only going for an Associates degree and a community college. If I was planning on getting a job that I knew I would need a Bachelors degree then I'd obviously do that. But to answer your question on if it's worth it, it depends on what you want to do as a career. There are plenty of jobs out there you don't need a college degree to make good money but at the same time; there are plenty of jobs that do require at least some secondary education. Whether that's a certificate program, associates degree, bachelors, masters etc...