Timing is everything! Commercial aviation is a cyclical industry. These are dark days in aviation. We all know it will get better. The question is where will you be when it improves. That is where timing comes into play. You're 20 years old with a potential forty plus year career in aviation. Without a doubt get a degree now rather than later. Better to be 20 years old wondering what the hell you're going to do with your life than two or three decades from now! You still have time for a career in aviation.