College - I more or less agree re Cody's comment on ROI. I'll add this: when I was living around DC in the mid 80s, and looking for work, I applied to be the asst mgr of a McDonald's. They told me that I needed a BA in Business Admin to be on their management team. I have several other similar experiences with prospective jobs at various levels. I have since learned that DC is an anomaly on several ways, and that's one of them. It being the seat of government, abouot 25% of the people living there are some flavor of lawyer, and all lawyers have the equivalent of a PhD. Therefore, DC suffers from degree devaluation.
When I got to Detroit in the late 90s, I had finished a BA and an MA based on the above experience. I was working with and getting paid the same as several guys who had high school diplomas. Detroit was not a particularly degree-conscious area.
Finally, your major is, in most instances, just not that important. In my experience, most employers just want to see that you have a degree, and they're not awfully concerned with the major. This would probably change if you majored in something really strange like Polynesian Languages, but for the most part it holds true. I have three degrees, and only the first (a 2 year) is closely related to what I do for a living. If you decide you do need college, I'd be more inclined to pick a major that interested me, so the work would be less of a grind. Or, double major. Do both American History and Business.