A four-year college degree for $10,000 out-of-pocket to the student?We’re not talking about fake credentials from a dodgy, money-sucking diploma mill, but a solid education at a highly respected, fully accredited, state university established in the 1880s.That was the prospect described by chancellor Steven R. Angle of the University of Tennessee-Chattanooga, in his talk Thursday to The Rotary Club of McMinnville at First Presbyterian Church.By combining the benefits of the Tennessee Promise program -- offering free tuition for two years at any of the state’s community colleges -- with the lottery-funded Hope Scholarship, students qualifying for in-state tuition rates can complete their baccalaureate degree for the less than the cost of good used car. The student would graduate for “less than $10,000 out of pocket for a four-year degree,” he told Rotarians.Another advantage for Warren County students is the recently implemented articulation agreement between Motlow State Community College and UTC. That program allows Motlow students to earn upper-division credits that can be applied toward UT-Chattanooga graduation requirements, thereby reducing costs in terms of both tuition and out-of-county travel and living expenses. UTC developed similar arrangements with Chattanooga State and Cleveland State community colleges, but the opening to Motlow students was added “just a couple of months ago,” the visiting speaker said.