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In this day and age, I would choose money or do school part-time.
It won't hurt to take a few years off to see how far you can push your online business. You can always return to school, and unlike in the past, a degree doesn't gaurantee any job security after school ends.
Also if you find IT boring, by all means switch your studies to something else. You mentioned marketing. Why not... it could even benefit your business.
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