Annie Iodice started her collegiate career at age 13, and since then, she's been on an academic tear.

The 15-year-old Radnor girl is ripping through high school and college simultaneously, aiming to have her diploma in hand by 2009 and a bachelor's degree in teaching by 2010.

Then she hopes to go off at age 17 to Columbia Law School in New York City.

So this summer will be no splash in the pool for the self-determined Iodice, who likes to start her days with a Wawa coffee, heavy on the sugar and cream.

She is taking classes in Shakespeare, 19th century literature, math and developmental psychology at Cabrini College, where she has already amassed the credits of a junior.

Last spring, she split her days between Radnor High School and Cabrini.

There was German, algebra, a senior-level history course and English in the morning at Radnor - where she has already achieved the credit status of a senior - and 18 credits at Cabrini in the afternoon. British literature, psychology and the spirituality of Mother Cabrini were among her courses.

The weight of her book bag alone was daunting.

She wrote for Radnor's high school newspaper and played violin for its orchestra, while singing in Cabrini's choir and working on and acting in its theater productions.

So why the rush?

"If I can do college work right now, why not do it?" Iodice said.

Otherwise, "it would just feel like I would be wasting my time."

Iodice would not be the youngest student to earn a bachelor's degree, but "it is by far an anomaly," said Barmak Nassirian, a spokesman for the American Association of Collegiate Registrars and Admission Officers.

Typically, early graduates exhibit genius in areas such as math, science or music, he said. Secondary education, Iodice's major, is an unusual choice, he said.

While Iodice's pace is remarkable, other local students take college courses while in high school. Pennsylvania has been encouraging the practice. Ninety percent of public schools in Philadelphia and the Pennsylvania suburbs offered dual enrollment in 2006-07, up from 38 percent in 2002-03. In the Philadelphia region, including New Jersey, the numbers have also gone up from 50 percent to 86 percent.

Radnor High Principal Mark Schellenger said the 1,200-student school, among the top academically in the region, is committed to accommodating students with extraordinary abilities.

"We try to do whatever we can to not get in the way of them pursuing their passion but to try to make it better for them," he said.

At age 10, Iodice decided she wanted to become an arbitrage lawyer because she found out that they make lots of money and can retire early. Now, she can't imagine spending so much time on desk work and sees a law degree as more of a passport.

"A law degree will help me get whatever job I'm interested in," she said.

Her latest dream is becoming a "guitar tech" for her favorite British band, Muse. Guitar techs keep the instruments primed for the musicians and hand them over on stage, a vocation she's eyed enviously on MTV.