people who have multiple degrees

[Randyb100]

I'm currently in the middle of some graduate credits / degrees, but at the end of this mess I will have two associate degrees, a bachelor's, three master degrees, and a Ph.D. The master degrees let me do lower level college teaching remotely as an adjunct and I have zero need for tenure track or anything other than adjunct work. The Ph.D. will allow me to do upper level teaching and help lend some better credibly to me teaching than with just my masters', as well as give me a boost if I ever want to do in-person teaching locally (which I do not think my health would allow, but it'd give me the opportunity).

This is my plan but I was looking at doing a bunch of graduate certificates if I can find more that have at least 18 credit hours. Otherwise I'd have to do 2 similar ones or another degree to qualify to be an adjunct.

Did you pay out of pocket? I'm assuming most of these people just took out grad loans. There's tons of stories of people with 500k+ in debt that's just forgiven after PSLF or 20 years all over the internet.