I'm glad you realise that a degree in fine arts - photography would be virtually useless on any practical level unless you want to teach. That may make your decision lots easier.
Think about this; I recall the best thing about school being the other students and the occasional good teacher, or iow, _not working in a vacuum_. So I'd suggest you carefully consider this angle, especially given that you could most likely learn the technical aspects of photography at a much higher level via books, practice, and perhaps a couple of workshops.
Come to think of it, that's perhaps the main thing bothering me that led me to start another thread (enthusiasm). I'm working in too much of a vacuum.