since you pick your own schedule, classes start when you want them to. i know lots of people who have never had a class before 11 am. what scuks is when there's a class you want/need to take and it's at 8 am.
as for difficulty, it totally depends on three things: 1) the calibre of school 2) the type of courses 3) how smart you are.
1. frostburg state university will have a lower standard for grading than north carolina which will have a lower standard than princeton, for instance.
2. electrical engineering is more difficult than physics is more difficult than biology is more difficult than accounting is more difficult than economics is more difficult than philosophy/english is more difficult than phys ed, for instance.
3. i'm pretty smart but some of the kids i know are pure, unadulterated geniuses and literally never study and get As in all their classes, and i'm talking HARD, HARD classes
hence, if you go to penn/yale and study chem it'll be pretty hard (both because of the strength of the school and hence the competition of your fellow classmates and because of how hard the subject is). however, if, as in #3, you're a pure, unadulterated genius, it probably wont be too hard.
but if you go to frostburg state or shenandoah valley community college and study chem it'll be pretty easy. however, if you're a dunce, it might be tough.