college is not for everyone (we need good plumbers and auto mechanics, fer chrissakes). i didn't apply myself as well as i could have at college, but about 40% of the value I got was from reading interesting books I found in the library, which I could have got for $100 a year while working in the real world and gaining money and experience -- which is what I'm doing now.
that said, some things are very hard to learn outside of a classroom and the mathematical maturity I gained from taking math classes will serve me for a life time.