At the end of the day, education doesn’t begin or end with a degree: it’s an ongoing process. You gain human capital by accumulating experience, establishing a professional network, and acquiring skills. Some fields, such as computer programming, are more open than others to people without formal degrees if you can demonstrate competence. Others may require specific certifications or exams. After that you learn on the job, from colleagues, or by pursuing additional training. Lots of skills can be learned at very low cost online and require mostly time and commitment.