If you have a career in mind about which you are passionate and it requires a college degree, then go for the degree, but since you are asking the question, I'm assuming you do not have such a passion in your life. Why not take a career explorations class first and see if there is such a career for you before you commit your money to starting a small business?
A small business but I love learning too.
Both is better...
Oh, in that case, my answer is neither....lol