I was sexually harrassed by the director of my program, who was also my main professor in undergrad, starting my junior year. It was hell. By the time I got my bearings, I was a senior, and it was too costly (time wise as well as financially) to transfer.
I graduated a bitter, angry person. I have virtually no good memories from undergrad outside of my freshman year. All I remember is fear, anxiety, and hopelessness. The university administration refused to help me and blamed me for "the predicament I was in." What a bunch of self-preserving pricks university administrators are.
I got a master's degree ten years later and I generally enjoyed it. The graduate school workshop environment is certainly a more enjoyable way to learn than sitting through boring undergrad lectures. I was also very well liked by my professors and especially by the chairman of my master's program--and treated very well.
In between those two degrees, I decided that I got my bachelor's almost without any math at all, so I went to a different school--a community college!--and studied mathematics for nearly four years, starting with college algebra and finishing with differential equations. I did not enter a degree program, and only took the classes for fun and self-fulfillment, one after the other. Two plus two always equals four, and no stifling professor could claim it was 5 and grade me down and force me to grieve my marks afterward, as happened twice, with the burden of proof on me.
I enjoyed my years studying math more than undergrad or grad school. My sexually harrassing undergrad professor, who never got his way with me, did a litany of cruel and harmful things to me: fouled up my GPA, slandered my professional reputation (put out the word I was "emotionally unstable and mentally undependable"), and published my senior thesis as his own work in an respected journal. He is still a tenured professor to this day.
So, surprise! Community college rocked. I got away from him eventually, got married, established my career, and now I make triple his pathetic academic salary.