First off, don't ever use an excuse that you don't have money and can't afford to go to college. That's a cop out, and I know. Graduating high school I had no money, hadn't seen my dad in 10 years, didn't live with my mom, so I moved in with my aunt & uncle that was barely getting by. Everyone kept telling me that I needed to go to college, but of course no one would contribute financially. Well, long story short I found out there is TONS of money for you to have when all you got to do is go ask for it. It turns out I graduated with a Bachelor of Science from one of Texas's largest university and it was funded via 90% free money (read grants) and 10% subsizidezed student loans. The worse off financially your parents are, then the more money you can get. You'd be surprised, even if your parents made $100K a year, you can still qualify from some form of financial aid.
Second, you need to ask yourself if college is right for you. We live in a capitalistic society where people can be successfull disregarding the level of education they have. Do you feel not having a degree will hold you back in your chosen field.
Third, you need to ask yourself if you want to go to a regular 4 year university, or a more specialized art school. I know, at least down here, that the Art Schools are rediculously expensive when compared to regular Junior Colleges and Universities. You'll need to ask if the premium paid in the art school is worth it, versus obtaining your degree from a university.
Fourth, is photography something you truly want to do. With the proliferation of digital SLR's, everyone is a photographer. Heck, if you got an SLR and at least one piece of fast glass, then you are a wedding photographer. Don't believe me, go look at the Wedding forum. How many people you think doing wedding photography actually went to a university, let alone majored in some photography related subject. What this means for you, is that 4 years from now when you graudate, you will be competing with some Joe Blow off the street that picked up a SLR for snapshots of his wife and kids, but then decided he wanted to do wedding photography.
Last, I think one of THE most important things you should remember is that MONEY IS NOT EVERYTHING. While that my be hard to believe, it is true. Upon nearing graduation, naturally we started having job fairs. The most interest seemed to be in the companies that paid the most. I know alot of guys that took higher paying jobs for positions that they knew they'd hate. However, they didn't care as the money was right. I wonder how long they lasted. If you find a job that you TRULY love....then you'll never work a day in your life. You'll find that how much you make is not important, when you consider the satisfaction your receive from the job. Do you think teachers are in it for the money? So, when you are planning your career, let your passion drive you.
Look, college is not easy. If it was, then everyone would have a degree. College takes alot of hard work, determination to get thru it. Plus it can be a huge financial hit. You are now an adult, and faced with some big decisions that could change the directions of your life.