University degrees are educational certificates provided by universities and colleges to students who have successfully completed specific programs of study. A number of degrees available, including nursing degrees, psychology degrees, teaching degrees and master's degrees. With so many degrees offered at so many higher learning institutions, there is sure to be one to meet your educational needs and career goals.

Benefits of University Degrees

There was a time when university degrees were optional and a high school degree was all that many jobs required. However, with today's increasingly technological and competitive workplace, university degrees are a necessity. In fact, many industries won't consider employees who do not have at least an associate's degrees, and many require bachelor's or even master's degrees.

University degrees provide more than just better job opportunities. In order to obtain a university degree, you must complete a well-rounded course of study, which will benefit you in all aspects of your life.

Types of University Degrees

University degrees build upon each other. For example, in order to obtain a master's degree you must have a bachelor's degree. Likewise, in order to get your doctorate you must have your master's degree.

The following is information on the various types of university degrees that are available:

• Associate's Degrees are two-year programs of study. Associate's of Arts (A.A.) and Associate's of Science (A.S.) degrees are the two designations. Associate's of Applied Science degrees are associate degrees awarded upon graduation of technical and vocational programs.
  
  Associate's degrees are ideal for those who want to test the waters of higher education and attain degrees without committing to a four-year college. Typically, credits earned to obtain an associate's degree can be transferred to a four-year college and applied toward a bachelor's degree.
• Bachelor's Degrees require four to five years of study and are perhaps the most common university degrees. Bachelor's degrees are available for most areas of study, but the most common bachelor's degrees are the B.A. (Bachelor of Arts) and the B.S. (Bachelor of Science).
• Master's Degrees are two-year graduate degrees. Completion of bachelor's degrees in related areas of study are required for entrance into master's degree programs. Master's degrees may be required for higher paying, more demanding careers and are a stepping stone to obtaining a Ph.D.
• Completing a Ph.D. Degree puts you in the highest echelon of education. A Ph.D. (Doctor of Philosophy) can be earned in many disciplines and is required for many research and higher education careers.

Cost of University Degrees

The cost of university degrees is rising steadily, and the total cost will depend, in part, on the type of degree you are seeking. Specialized degrees, such as nursing degrees and graduate degrees, often cost more than general bachelor's degrees.

On average, enrollment in a four-year program for a bachelor's degree can cost anywhere from 5,000 dollars to more than 30,000 dollars a year. Tuition fees for two-year associate's degrees tend to be less expensive, averaging 2,000 to 2,500 dollars a year.

In addition, students pursuing university degrees will have to consider the following costs:

• Books and Supplies: 800 to 1,000 dollars on average per year
• Personal Expenses: will vary depending on lifestyle
• Room and Board: 6,000 to 6,500 dollars on average per year.

Remember these are only approximate costs. Students working toward graduate degrees or specialized university degrees may have to spend more on books, supplies and tuition.