In Massachusetts, any state citizen over 60 can take courses at community college, or state university can take any course for free. The monkey wrench is that to do this, you can't register until after paying students' enrollment has finished. My father in law has been taking courses for the last 5 years. I've looked into it and at our local state college, I could, if I wanted to take all the courses to get any of those financial advisor fancy letters.