It's been almost 20 years since I graduated, so I can't speak to what has changed since then but it was a challenging although great experience all around and I have never been unemployed since. With that said, if you are not prepared to 100% commit to a STEM degree (or simply a career plan within those types of fields in general) and put in the work, then it may not be worth your time and money.

Also, if money is an issue, you should also know that in the end it's the school you end up graduating from that issues your diploma. I knew a few classmates my junior and senior year that transferred in after building credits from a cheaper school, the only catch is that you need to keep that GPA up if you want to get accepted.