Make the decision about what you want to do with your life first. If it requires a college degree, then do that shyt. Do everything you can to reduce the cost (get first two years in at community college if you need to, apply for financial aid, finesse the cheapest room/food/books situations you can, find out how to finesse your loans after the fact, etc.). Do NOT go to a for-profit school under any circumstances. Don't go to a private school at all unless they willing to cover damn near everything for you. Don't take out more loans than you need.
But if it sets you on the path to the career that defines your life? You'll always think it was worth it.
Now outside of the career question, do you need to go to college to learn shyt? That's really an individual question. Some folks do a fantastic job of educating themselves, or enter an atmosphere outside of college where they can get educated. Other people need the structure, or the leads to spur thought, or the opportunity to encounter different opinions, or the give-and-take with professors and students that college provides. You know yourself. But if you don't feel like you will really get educated on the world without going to college, if you see yourself as someone who's not a self-starter like that, then I would do it even if it isn't essential for your degree. You'll be glad you did.
For me personally, college completely changed my life, in several ways, in a good way. But the right person can get by fine without it.