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American undergraduate ("college") degrees historically and typically take 4 years to complete. A person on the "5 year plan" is usually not a serious enough student, who will not have enough credits to graduate within 4 years, perhaps due to dropping classes, changing majors often, or flunking courses (which gives no credits).
"My roommate my sophomore year partied 6 nights a week. He ended up only taking 2 courses one semester."

"Oh yeah? My ex-boyfriend never went to class except to take the exams -- sometimes. He failed half his classes when we were dating. He was on the 5 year plan too."
by SidP April 05, 2005
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When a college student goes to college without any hope of graduating. Student will typically go on 5 year plan when they feel they will not need a college degree to succeed in life or when then drop out of college then decide to go back. Even though they will not graduate, the student on the 5 year plan will still hold themself in high regard as they can make the claim that they have "some college" in their background opposed to only being a high school grad
Look at Greg, 22 years old and still only a sophomore. He must be on the 5 year plan... Wish I was on it
by The Definition April 03, 2005
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