Most people like college, and many people try to re-create aspects of the college experience at later points in their lives, usually without success. Even those who don't learn much seem to get a fair amount out of college. A lot of the learning takes place between the lines, and between classes.
I've seen college from the position of an undergrad, a law student (I quit) and now an ABD in a Phd program. I've written a lot about it here: http://jseliger.wordpress.com/?s=college . Take a look at those posts to get a better sense of the issues.
You can also look at a college degree as a kind of insurance: you may or may not need one, but if you do need it when you're 35, you REALLY need it.
Finally, look at the successful people you know or have read about. The vast majority went to college. Even the famous dropouts didn't, for the most part, dropout because they thought getting a degree was useless—they did so because they had a better opportunity to pursue. Unless you do, go.
Don't spent every hour programming. Go to parties, join a club, hit the gym. You'll still have lots of time with your hands on the keyboard. For many people, college is the easiest environment for sex they'll ever encounter. Take advantage of that.