In my 20 years of working in software development, a bachelor's degree and any further is a waste of time. The best coders I've worked with are musicians as well as coders.
I work in an investment bank in the risk department, I've worked on a number of systems where the Quants (all with PhDs in maths or physics) developed a prototype in C++ and mocked when we said we'd build the real system in Java.
However our systems in all of the projects were at least a magnitude faster than the Quant systems, not because Java is faster than C++, but because the development team knew how to code for performance.
Coding is incredibly complicated, to be good, only experience pays.