Depends....Boxers or Briefs? :)
I think what you are asking is what is involved in each of these for you to make an intelligent decision, right.
First, DON'T do the college thing. What a freakin waste of time. Funny thing, they don't know it. By the time you get through 4 years of BLAH, BLAH, BLAH, everything has changed. In the technology world, those people who are teaching it for 4 years are doing ONE thing, taking your money! You may have some skills, but very little that are really useful to anyone.
Good Question. I have been in the IT field for a very long time. I have seen people come and people go. I have more certs behind my name than I can fit on my business card.
They all start with the same question, or at least similar to yours. How can I make a million dollars the easiest way...or something like that. :)
Seriously. Here is how you start.
First, in doing the computer thing, it better be all you can think about day and night. Forget the money, forget everything you know about the field. You have to want to do this no matter what.
You will work long hours for little pay for probably many years BEFORE you even get to the comfortable stage. You will bounce from job to job, lasting only 6 to 18 months for the first 5 years of your career, gaining valuable experience.
Now, EVERYONE that I know that has approached CCNA/CCNP or MCSE, or any other certification from the point of "If I get this, they will beat down my door" has been disallusioned. The paper is great and will at least get you an interview. BUT, many of these 'paper' people can use the paper for other purposes, if you know what I mean.
Honestly, you can teach yourself everything, if you REALLY want to. Nothing will stand in your way.
First thing, get an IT job somewhere, ANYWHERE, even if it is unboxing computers and equipment. Let them know what your goals and dreams are. Second, PRACTICE everything. Spanning-tree, OSPF, EIGRP, Root Bridge election process, VTP, VLAN, Router on a stick, you name it. Do everything you can. Finally, know that you, and your significant other, are in for a LONG journey. It is worth it for those who really want it.
Cisco and networking has very little to do with Web pages, VERY little. In fact, if you are a good network person, nobody really see that you are doing your job. They only know when you are not doing your job. Kinda like the power company. The only time that we even think about not having power is when we do not have it.
Good luck