It's really difficult to choose a program for someone else. Really, all we can do is give you good universities which aren't too expensive and you'll have to check what majors/minors are offered at each place and where you want to go yourself. Once you've spent some time, the more the better, looking around and comparing, then you can think of starting to apply. Do make sure you look at the deadlines for applications though.
Let me give you a practical example for the whole major/minor thing along with credits (For Canadian universities. Well, one Canadian University, I suppose it's similar at others). First, allow me to explain a bit about majors, minors and credits. Majors and minors are merely blocks of courses. A major in, say, physics, will contain a bunch of courses which you must complete in order to get a degree in physics. A minor will also contain a bunch of courses which give you some knowledge about a field, but less than a major, allowing you to pursue other interests. A minor is not always required, but then you still have to take other courses with your major since a major usually doesn't give you all the credits you need for a degree. What are credits? Well, you can think of them as the proof you've done something while in college. Each course will give you a number of credits upon completion, usually 3, but it can vary. As Visavi said, the number usually reflects how many hours of course you get per week. Once you've completed all the courses in your major, as well as enough additional courses to have the number of credits needed to get your degree, you, well, get your degree.
Practical example: I've received my letter of acceptance for McGill a while ago. It essentailly said that I needed 90 credits to get my degree, Bachelor of Science. It also listed my major as physics. That means I'll have to follow all the courses listed under "Major in Physics", which account for 60 credits. Now, if I wanted to, I could take a minor in mathematics, which accounts for 24 credits, if I wanted to study some math too. I'd still need 6 more credits, about 2 courses, which I could take from courses that I find interesting (there are, of course, some restrictions as to what I can take. They probably wouldn't let me take "Physics 101"). Once I'm done with my major and got 90 credits, then I can graduate. It's really not that complicated.
There's also a kind of degree that doesn't require any major/minor. They're called honours programs. They usually focus on one particular subject, and have more courses than a major, essentially giving you almost all the credits you need for your degree. For example, the honours program in physics at McGill gives 78 credits, so you'd need only 12 more credits (assuming you need 90 as I do). That's 4 more courses, which you can choose as you wish (again, restrictions may apply). Honours programs are apparently especially well-suited for people wishing to go on to graduate studies.
One thing that might be interesting for you, though, is that depending on how many years you've already done, you might have to do 3 or 4 years in college. If you do 4, then you won't have to choose a particular program in your first year (most of the time), and you'll get a year of somewhat general education depending on the faculty in which you're enrolled, which also means one more year to choose a program. If you're part of the faculty of science, for example, then you'll probably get a general science education, with math, physics, chemistry and biology, which prepares you for pretty much any program you'll choose for the next year, such as physics, chemistry or microbiology.
Jam it back in, in the dark.
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