F1 Request 3.5 or 3 years?


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I am currently on H4 and need to move to F1.
I am thinking to complete college by 3 years but not sure and it may take 3.5 years.
With that, what should I request to be on my I-20? 3 years or 3.5?
Can the duration be shortened to 3 if we opt for 3.5 but I end up needing more time and vice versa if I finish faster?
And what would be the pros and cons of either

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