* Your career goals: Will a degree significantly improve your job prospects or earning potential? If not, the cost and time investment might not be worthwhile. If it's crucial, then finishing is likely the best choice.
* Your financial situation: Can you afford to continue your education? Consider tuition, fees, books, and living expenses. If you can't afford it without significant debt, you need to weigh the potential return on investment against the debt burden.
* Your personal circumstances: Do you have the time and energy to commit to finishing your degree? Family responsibilities, health concerns, or other commitments can significantly impact your ability to succeed.
* Transferability of credits: Are your 42 credits transferable to another institution? If you're unhappy with your current school, transferring might be a viable option. If not, you might be starting over.
* Alternative paths: Are there other ways to achieve your career goals without a degree? Some fields offer apprenticeships, certifications, or on-the-job training that might be a more efficient route.
In short: 42 credits is a significant investment, but it's not a guaranteed path to success. Carefully weigh the pros and cons based on your personal situation and career aspirations before making a decision. Talking to a career counselor or academic advisor can provide valuable guidance.