1 out of 4 American adults has a bachelor's degree, and the way the economy is structured, it means nothing at all. It's no better than high school unless your major was something professional like nursing, pottery or paper manufacturing.
Other countries have educational systems where kids pick careers early and go to specialized secondary schools, so most of their education is geared toward whatever they're going to end up doing. But the American educational system is poorly funded and can't deal with preparing kids while they're still kids.
The goal of American higher education is two-fold:
1) make researchers and other ph.d's filthy stinking rich
2) produce enough new ph.d's to make sure the work gets done.
There are far too many kids going to college to make them all ph.d.'s. This means 99 percent of all undergraduates are there for reason number 1, that is, to be ripped off. It's similar to a lottery - collect a bunch of money from everyone, give back some of the money to one of them, and keep the rest. The few who land enough financial aid to go to grad school and get ph.d's end up with a return on their college investment. For everyone else, it's an illusion. No matter how much money you make with a B.A., you'd have made it anyway without one.
Getting GTF's is not a matter of testing or coursework, it's a matter of nepotism. Your profs have to like you and write good recommendations.
There is one thing you can still get from a university, that is, an education. But only if you realize the difference between education and career training. In essence, learn everything. It won't make you a dime, but you'll be wiser than every ph.d. out there, because you know something about everything, while they know everything about only one thing.