Good questions, lots of good ideas above, so here are several thoughts.
I've taught in Bachelors and Masters degree programs and hail from farm country (Iowa, Oklahoma & California Central Valley). Disclaimer: I do not qualify under the definition of farmer, though my Dad and my Father-in-law did.
In our country most people who get Ag degrees have a family farm, have families in an Ag business or have a specific Ag related path they are pursuing. They know what education to get in order to pursue the career they have selected. From your comments you don't have a small acreage waiting for you when you graduate and even if you did, if you don't have practical experience, good application and business guidance, and tools/materials and similar, you couldn't do what you want for a while after college. but that shouldn't be a problem at your young age.
If you are not pushing hard down one of those specific career paths I mentioned, then I agree that you are obtaining a lot of debt without a plan for repaying (this is now a Dad speaking).
Danger! Will Robinson, Danger! Beware of College Career Counselors - their primary purpose is to get you to take more classes and they do not care about you getting a career unless failing to do so hurts their college. Hence all the 5 and 6 years long college careers in order to get their 4 year bachelors.
So what to do? Consider...
Explore Ag career paths that fit with your education path. Is there one that will get you where you want to go? Do you need to alter your current course path?
Pursue education grants in Ag related careers. Work at this like it is your job. There is money out there, so try to get it (ask professors, department heads and yes those career counselors for funding leads).
What colleges, schools and type of courses should you take?
As one person mentioned, business courses are a strong plus for Ag related businesses. Can you mix the two and get to where you want to be in ten or so years post graduating.
Answer the above questions and you'll answer:
Whether you should get a degree?
What to study?
and if it is financially worth it?
Finally, if the permaculture approach and application is for your own goals, then do as another has mentioned and get a good career that pays the bills, save some money, get to know people doing what you want to do, spend time in their dirt, learn all you can about this knowledge area, then with money saved, applicable experience gained and adequate beginners knowledge, get your own small acreage and give it your own try, while you keep the paying job to cover the bills.
Then when it all comes together, you'll be set up to take advantage of your success.
One last thought, seek out a mentor, they are priceless.
Trust this is thought provoking.