Just to add on to what was mentioned on the university vs colleges, it depends din po sa industry na papasukin but in most cases, kung ano inaral sa university, may katapat din sa college. At my wife's work, meron nag aral sa isa sa top university ng Canada (U of T) vs may isang nag 2 year college degree "lang". The result? Both got hired for the same pay. Sabi nga ni university graduate, kung nalaman lang niya na ganun lang din pala ang ending, she could have saved more time and not be in tons of student debt.
Plano ko din po mag masters noon. 70k vs 30k if nag post grad nalang ako sa college and I tihink I did ok. I finished my school April 28 and I started work May 1. First in my batch to find work. Regarding up to how much they (the university) can credit, may limit din po. The current trend right now is yung mga university grads ay pumpasok sa colleges to gain practical experiences. Pinsan ko na graduate ng York University ended up studying a post grad sa college to finally land a good job. This is unless of course, you want t be a professor or under a very specialized field like spatial analysis and geomaping and coding, for example, which only universities can offer.
Also, network, network, network... ditotayo mahihirapan kasi bagong salta tayo hehe