Thanks for explaining that difference. It makes sense. Here, there are junior colleges and community colleges which are smaller and usually offer a 2-year Associates Degree, which usually can transfer and count towards the first two years at a larger university. We're just more lax about the terms and can use "college" and "university" interchangeably at times. Although many universities might take offense when we do.

Is it an option for you to transfer to a college? It seems like you probably already have enough more than enough credits for a two-year degree. What would your options be if you went for a college diploma? Would it fit with your goals?

I do understand the importance of insurance. It's frustrating that keeping insurance commands so much priority though. I hope that there is room for you to choose what you want to do with your life, and make that the highest priority. Even if it takes you a bit longer to get there, keep holding on to your dreams. You really can do it.