I'm a 4th year junior (4th year in college-junior standing, not my 4th year being a junior...some people get that confused
). I still have another year or year and a half left. I'm thinking very seriously of flipping my minor to my major, if I have the funds to do so...that will take another few years.
Actually a little comes out of our pockets...currently. Financial aid and scholarship pays a LOT of my tuition. And, I will be paying off the finanicial aid down the line, not my parents.