One goes to college to get educated. Not to get a job (many other paths for that), or just to make connections (apprenticeships can do that). Part of being educated is learning to work with others, learning to communicate effectively in writing and speaking, working with outstanding mentors who can help develop your skills, and most importantly, face and overcome challenges. You will also become associated with folks with a lot of credibility who can vouch for your integrity and competence. Oh, yes, you will learn some skills, too. You will get out of your education what you put into it. If you just go to classes and take tests, well...that may not take you far. If you get involved in research or an honors project, or an entrepreneurial institute at your institution (we have such an institute at our college), or take on leadership positions, you may get a lot from your educational experience. I know. I was in the academy for over 3 decades, and mentored hundreds of research and honors students in STEM at the bachelor's level. Almost every one of the first-year students that entered my institution were sure they were the smartest in the world, and knew everything coming in. After all, they were very successful in high school to gain admittance. In college they learned there were challenges and wonders and levels of personal accomplishment they had never imagined. Those that met those challenges emerged changed, more confident, and capable of pursuing a variety of post-graduate goals, from public service, business or obtaining additional, advanced education to open additional career doors.
A college degree, if you make the most of it, will pay back in spades, preparing you with not only knowledge, but professional and leadership skills required to work with others and convince them to work with you to help you achieve your goals. The debt you accumulate, within reason, will be paid back many times over. Be realistic if about what a college education will do for you. And be realistic that without appropriate credentials, you may encounter barriers that those with credentials will not encounter. Investors and partners will definitely consider credentials when making bjusiness decisions.
Cheers, and good luck in your career path.