I've studied a lot of things in college and various courses yet have never taken a full fledged philosophy course.
I am a lurker in here in this particular forum as I usually don't have the time to launch into a full-fledged answer or response before I'm interrupted and that drives me nuts!
As far as a lot of the threads/replies in here...well sometimes I read them and say holy crap I'm over my head....most times it's a response from the heart. Which, while sometimes they aren't the most enlightening in the world they are honest and from the heart!
Do I hesitate sometimes posting in here...sure - only when I know I don't have the time to put into it. Other than that...degree or no degree I will put in my two cents worth from the best college I know....that of life!