Given the age distribution of HN readers, it's clear many of them are still in school. So their responses to this poll may not be very meaningful, at least not in the same way as the responses of those no longer in school.
* Still in HS
* Still in College
* Still in PhD program
to help weed those out.
(Dropping out of PhD = walking away with a Masters in some places, but not all; I had my Master's degrees before I started the PhD.)
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That sounds 'formal' to me, in the sense of either you have a degree or you don't. I took Italian in college, and having lived here a number of years, probably speak it well enough to teach it, know the grammar well, etc... but I don't have a degree in it.
Whatever though... these things are kind of pointless. I think it's best to do what you want in life and get on with it and not worry too much about what other people do.