Problem: Nowadays, we live in an Instant gratification society where Time is money, and it's my money, and I need it now. A university degree is considered Delayed gratification because it takes 2-3 years to get a bachelor's Degree (after an A.A.) and even more for an M.A. and/or a Ph.D. Discuss the importance of getting a higher education degree in our times. Is it worth it? How about the potential need for student loans? What about the time requirements? What about the benefits? What is your perception and feelings about getting a university degree? What would be your dream university and why?