Looking for advice from any accountants. Should I get a 4 year degree or a 3 year advanced certificate?

Hey guys,

I'm a mature student in my late twenties. I've had some ups and downs trying to go back to uni. I have been debating if I want to get a 4 year degree or if I want to get a 3 year advanced certificate? The college does offer co-op programs the 4 year does not. Could anyone give me their opinion on which one is better? I do have some credits from my first attempt at uni ( I studied generalized Business Administration degree), so I think if I took the three year one i would be done in 2 1/2 years and if I took the 4 year one I would be done in 3 1/2 years. I really want to get out of my minimum wage and have a better paying job i just dont want to do something I will regret because its shorter.