College is not the end all be-all experience. There are lots of other opportunities and learning on the job is one of them. You will almost certainly be at an income disparity without a degree for at least the beginning of your career.
That said, if you can't find an engaging and challenging experience learning about software in your college, either A) you are at a bad college and need to change or B) you haven't actively tried to take full advantage of the resources available to you.
When I was an undergraduate I took graduate courses, TA'd intro courses, worked on research projects, got published, etc, and I wasn't some uber student. I just was really interested in things and spent a lot of time asking professors and graduate students stuff. I had the opposite problem, there was so much I wanted to learn about and so little time to do it.