If you can pass the exams with the knowledge you have, you don't need to study for four years unless you want to spend the money. If you can't, feel free to r

If you can pass the exams with the knowledge you have, you don't need to study for four years unless you want to spend the money. If you can't, feel free to repeat the exams after four years of studying. The whole system is a game and you can either play it honest or game it to earn more money with the phd. The losers are the honest ppl, who think they can study and then try to work their loans off for the next 10-15 years...