Are there Mathematics exams for university level?

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I am currently doing a BSc Mathematics programme with a tuition fee loan. Anyway my mathematical knowledge is far more advanced but I did not have money for a better University so I want to do self-study at the same time. I do not have money for making MSc or PhD programmes and I am not sure if loans are available anymore, but I have knowledge that helps me to study in advance for any university level, taking everything gradually by myself. My question is if I can pay only for some exams to give me the MSc, PhD and other titles if possible, and if so, what exams should I consider and prepare myself for, without attending or paying for any courses?

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What would you need an official degree for? If you are advanced and (perhaps eventually) capable of doing Ph.D. work, then peer-reviewed publications of original research can get you a career no diploma can. (Many Ph.D.'s publish nothing or almost nothing.)

As for taking the exams without enrolling... You are asking the higher education industry to throw away its main source of income.:) In many research universities in the Western hemisphere, the quality of teaching has deteriorated. This is because for many permanent faculty, teaching is but an extra chore (added to research and grant proposal writing), a necessary evil, and the instructor just doesn't care about the quality of teaching. But, the tuition is earnings for the school. If they started awarding diplomas charging only for the exams, they would lose those earnings.

Economically, however, it seems a lot more rational to separate assessment from instruction. (Instruction has separated to an extent; e.g., you can learn on your own, on the web, from Coursera, etc.) Having your degree tested and confirmed by a central government agency would leave the schools competing for students a lot more than they do today.

What you can get (in some fields) with exams only is not a degree, but licensure or certification (e.g., Professional Engineer), but, I believe, many of these require a degree first. It would be great if that requirement could be dropped, though.