The decision is usually made weeks before the conversation happens. What separates a clean parting from a lasting problem is what is prepared beforehand.
The four year degree is treated as the safe option and the thing you do if you are unsure. It is a large commitment and it deserves to be chosen rather than defaulted into.
The first meeting with a preparer is a two way interview and most people treat it as an application. The questions below take twenty minutes and settle it.