What I did was get my first two years (60 credits) done at my local community college and paid that off, then transferred to Xavier where I am now. So if you don't mind transferring and/or if money is a concern then I would highly recommend that. And of course make sure it is an accredited college and if you want to be extra sure contact colleges you might transfer to (if you choose this path) and see if they will accept the credits.
Secondly, one of the mistakes I made was poorly mapping out my academic schedule for my two years at the community college and I had to make it up by taking summer classes last summer and this upcoming summer. So typically its 120 credits or 4 years to graduate and typically 15 credits per semester, or 30 credits each year. Basic math. Also, you can do what a friend of mine did and take more than 15 credits each semester. She is graduating this year and this is her third year at college, so basically she skipped a year because she did more each semester. But I would not recommend that because any more than 5 classes/15 credit hours per semester is a lot of work.
Third, if you don't know what you want to major in, well don't worry because your first two years (60 credits) are mainly comprised of core classes which you have to take regardless of your major. And by mainly I mean mainly, there might be a few courses in your core that could be applied to a major.
That's about it I think...