Degree Concentration and Calculus

So I am starting a CS degree in the fall and my university offers three different concentrations: CS concentration, IT concentration and Networks and Security concentration. My goal is to be a software engineer and I want to do the CS concentration, However, I am entering my late 20's and am financially strained so I need to finish the degree as soon as possible (gen eds are finished) The only thing is ONLY the CS concentration requires Calculus I and II. I know Calculus would give me great problem solving skills but my situation in life (no money, girlfriend dealing with mental illness) makes me think I should just do one of the easier concentrations. How much of a difference do you see this decision making on my post-graduation path? I'd really appreciate some insight, thank you.