Psychology or Philosophy degree?

[AC S]

I am writing to get just some opinions on rather to obtain a degree based on getting out quickly or getting a degree that I might be able to pay less for. I am currently a psych major, I am not really enjoying the classes that much (they are just not as challenging, except for a math course I am taking). I am thinking of changing my major to philosophy, well if I do that I might be able to graduate by next summer (2009). I have already taken out alot of money in loans to pay for my education, there is this new grant out though that can be contributed to a psychology major, so now I am not exactly sure what to do. Have a major I really am not into, but get by with extra money, or change to philosophy and end up paying 30,000 dollars in loans. Any suggestions? I have people telling me different things, so I am just looking for a few more suggestions, please serious answers only. One more question, has anyone applied for the National Smart Grant? Thank you.