I think about this all the time, haha. I think right now my ideal higher education solution would be somewhere where all of the resources you need are online and you can go at your own pace, so if you need to take time off it's no big deal. Then you have a central location where your fellow students and professors/TAs/experts/whatever are there to help you learn and answer questions, not to lecture to a huge room where 75% of the people are on their phones.

Sounds like Coursera or Udacity!