I'm an Indian, 22 years old and dropped out of my college this year. I want to know if it's hard to get a tourist visa to Europe or USA if I do not have a college degree.
No, having a college degree does not affect the process of obtaining a tourist visa to either Schengen area or US. In both cases the most important thing is proving strong ties with your home country. This includes a bank account with a decent balance, an employment letter etc. Take a look at the requirements to obtain a Schengen visa from the French Consulate or from the US embassy and as you can see none of them requires a college degree. The US visa totally depends on the interview you will have at the embassy, anyway proving that you only intend to travel for tourism purposes is the strongest supporter to get the visa.
P.S. Not having a college degree does affect you in an indirect way! you will not have a nicer job which will lead to a worse bank account which will lead to visa rejection, unless daddy has a nice bank account ;)