22 Credits in...

I've been in college for three years now, and I've only completed 22 credits (the standard student usually has 90 credits after three years). I want to get a college degree, namely so I can get a steady-income job and actually support myself, but I'm starting to doubt that I even want to go into the major I was in before, and that leaves me doubtful of whether I want to transfer out of the two-year school I was in, just to pay more money to get the same gen-ed credits I could get at community college. I can make it work no matter which school I end up at, I'm just not sure what the right choice is.