Of course it is a business. With student loans et al it has to be a business. If you take a look at the financial records of the top Universities and colleges, you cannot help but wonder what it really is all about value to the society or value to .... ....
Besides the relevance to the current realities in the work place can be somewhat outdated. Several skills and knowledge set would have to be developed in other to be relevant. Sometimes they foundation is built by these institutions and at other times they create a paradigm that could be problematic.
The world is out there with numerous and unlimited opportunities, Yes by all means get a degree or more if you can but do not let it limit nor define you.
Remember it is not what you know but what you do (though you cannot do what you do not know) that determines where you end up and how you end up.
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also, who you know. It becomes more and more necessary nowadays to know the right people.