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I graduated in 4 years going to a huge public university without taking summer classes and even after I had to re-take 2 classes. I also changed my major partway through. I can see it being difficult for someone who has to work a lot of hours to pay for school or for a transfer student who needs to take a few more credits, but for the average person it's not that difficult. If you don't get a class you need, take another one you need in the meantime. If you don't have one of the prereq classes then talk to the professor and see if you can get in anyway. If you desperately need a class usually your adviser can work something out. My adviser let me substitute one lab class for a different one because they were very similar. I completely skipped out of a writing class by taking a test. One of my friends skipped a basic math class also by taking a test for it.
All of my college friends graduated in 4 years (some in less than that) with one exception. The only person who didn't goofed off during college and partied. He didn't get his act together until he was a junior.
I graduated in 07 by the way, so this is all based on recent experience.
A lot of people at CSU's and UC's don't graduate in four years because they can't get the classes they need. It's a bigger problem now with all the budget cuts because classes got cut. We have lots of community colleges here, and they are super cheap. I believe they are currently $26 a unit. Unfortunately, even those classes fill up. I was going to take classes at the one closest to my house, but by the time I was allowed to register every class that could have helped me was full.
It took me 6 years to get a 4 year degree, for a variety of reasons.
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