What do I need to do? Often, adults take college courses at a nearby school, racking up credit hours without becoming a degree candidate. Firstly, I would consider reference letters as of 15 years ago too invalid to use in a current application. This school might be the same. Money is a huge issue for me as I already have nearly 80 thousand dollars in student loans to repay. About 80 percent of women age 25 en route for 29 have a high discipline degree.