Re: Lost in college
I'd start looking for another program at another school, and transfer, even if it means moving.
My thinking is that if you're going to pile up debt paying for an education in your field (any field!), you should get what you're paying for in terms of quality and professional development--and it sounds like you're not going to get that where you are. There are excellent art and illustration programs at state schools, but (as you're finding out) there are a lot of programs that are just filler. You may end up with a BFA at the end of it, but if you haven't been challenged to create better, more sophisticated work, then what good is it?
As artists, we're primarily judged by our portfolios; having a BFA in itself has no value if the work you're producing is mediocre. So if you want a BFA, it's important to get into a program that will really push you creatively, because otherwise it's not worth the money. And if your work is good enough, you won't need a BFA.
If you're self-directed, you can do a lot to build skills outside of an art school/university degree program. I don't know where you live, but in bigger cities there are often drop-in life drawing sessions, or classes taught through atelier schools that emphasize traditional drawing and painting skills. Where I live, there's a community arts center that constantly offers classes in all kinds of media, and you can rent shop or printmaking studio time by the hour if you want to keep pursuing a medium without spending thousands on equipment.
None of this earns you college credit, and you'd have to pay for individual classes out of pocket, but you might find it a useful way of getting the education you really want and increasing your skills without going the BFA route. Or, it would help you build an even better portfolio that would get you into a much better school, should you choose to continue with a BFA.
But for now, I wouldn't rack up any more debt in an inferior program that isn't meeting your needs as an artist. There's just no advantage to doing so.