My wife is one of them. For financial and geographic reasons, she started at a community college then transferred to a proper university after finishing there.

My wife is one of them. For financial and geographic reasons, she started at a community college then transferred to a proper university after finishing there. She had to retake one course that wouldn't transfer and a couple of classes at the community college became electives when they transferred over, but for the most part she saved a lot of money that way.