Be careful; flow will not be anytime soon for a new hire. They had been selling new hires on a 6 year flow; at this point it won't be less than 9 years for a new hire. However, currently the flow is at 12 years ('06 hires), and 12 years is the fastest it has ever been so far.

If you need that 4 year degree, just do it online while working for a regional. At least that will theoretically give you more options.

These are my personal opinions and not the opinions of any entity or employer.