I do not necessarily agree. From a purely monetary point of view, college is a high risk investment with no guarantees, the payoff often does not offset the cost, especially if one is investing money that would have gone into college.
Another option, especially because you already have a year of credit, is to get an associates degree. The earning potential of a 2 year degree is about 45% of a 4 year degree. In your current position you could possibly do that for a couple thousand. It's the most bang for your buck, at least potentially. If your state does not have many options for you to mitigate cost at a community college you can actually transfer your current credit and then implement unusual methods such as testing out (CLEP, DANTES) and alternative credit (ACE reviewed such as ALEKS, FEMA independent study, NFA training). Maybe supplement a handful of credits with community college work, and then transfer to a regionally accredited (the good kind) school with no residency requirement (requirement to take classes from the institution issuing the degree) such as Excelsior, TESC, COSC and then you can have a well accredited degree that utilizes the credit you already have.
In my opinion, traditional college is a difficult cost to justify in many cases and as one gets older the return diminishes (less time to utilize greater earnings, but just as much debt).
Online learning is full of possibilities for saving time and money. The degrees are well recognized now-a-days assuming you choose the right school. I got my degree with only a couple actual college classes, the rest was testing, ACE reviewed training (colleges may or may not accept this, so decide on the college before you take any ACE reviewed tests or training), and a handful of other sources. I learned about all this primarily from two websites:
Once you have your associates you may decide to progress to bachelors, but know that you may have limited choice of schools for continuing education if you take this path. For me, that's not a problem. I just wanted a regionally accredited school with no stigmas attached, when/if I get my bachelors I will be happy to go back to Excelsior.
I hope this helps!
lol, I just noticed that this post is like two months old. Oh well, perhaps it will benefit our google visitors.