Are classes harder your Junior and Senior year of college?

The second-level classes that you tend to take in Junior and Serior year are harder and more specialized. Unless you took all the requirements already and all you have left are the joke electives. But the advantage is that you won't be having to take all those general-education classes like physics, so if business is easier for you, you might find it easier.

I think people coming from community college are at a disadvantage because community colleges usually (***but not always; there are exceptions***) have a lower quality of teaching. They may be slightly behind the university students.

It depends on attitude and knowledge. It was harder for me the first three years, but the last two were a lot easier. Again, when I went to Teachers University in Russia, our programs were different from what they have in the United States. I can say that my foreign languages were a pleasure. (My first foreign language was Spanish, and my second foreign language was English.) I worked very hard the first three years and advanced considerably in my majors: foreign languages and education, and even in some minors. The last two years I could allow myself some rest. Super hard work was not needed any more: I had a good basis and could dedicate a lot more time to learning new things and taking a lot more electives.

I don't know what do you mean by "better off"? Is it a number of credit hours or are you referring to knowledge? Knowledge definitely depends on each individual student. He or she can learn a lot even from a lousy professor or instructor if an effort is applied.