Yes, the certification of acquired knowledge has always been the real value of educational institutions.
Your description feels very apt. I was great in a classroom but I've done poorly learning alone outside of it. Do you have any recommendations on how to pick up new subjects and material after college?
Without clear goalposts, external accountability, and support, self paced learning feels like running in a desert. You just end up going in circles. That’s exactly why MOOCs never worked for me, nor for thousands of others.