A four-year degree (bachelor's or applied bachelor's) will always work in your favor. It will give you more options and increase your earning potential. Even for the exact same job, a person with a 4-year degree will often be paid better than someone without one. For better or worse, the 4-year degree has become a standard requirement to gain access to most of the jobs in this country. Just take a look at some job listings and you'll see what I mean.

Pennsylvania has some very good state schools, and usually you can do your first two years at a community college and finish at a state university. Some community colleges are actually better than state schools for freshman and sophomore classes, because the class size is much smaller.

You sound like someone who might like one of the engineering disciplines, like electrical engineering. Engineering majors have to take several math classes. What kind of math are you studying right now at school? Do you like it? If you want, you can PM me and I'll give you some links to look at to help you figure out if engineering would be a good path for you.