My thoughts are that if you are single then going back to school might still be an option. Living on campus and using every penny of free FA may be the way to go. When I lived on campus and had low income housing, food stamps, free child care, a monthly check, etc...I simply had no worries. My rent was paid up for a year in advance, it was only $42 if it came due anyway. My campus apartment was all bills paid, including phone, cable, and all utilities.
I had no worries, I had food stamps for food, a monthly check for car insurance and gasoline, nothing was needed that I could not provide. It was the most stress free time of my life. I was able to focus on my studies, make nearly straight "A"'s and get scholarships the next semester.
If you have all the basic's in one college they may not require you to take different basic's for a different degree in the same college. For instance, if you're past education is in the College of Arts and Sciences and you studied Psychology, all your basics for your degree have been met and you are now working on the core classes. Then you decide you don't like Psychology and want to study Sociology, they usually don't make you change the basics around if the previous classes are similar. Like taking a stat class, if it was through the math department but the sociology one is taught by the department head, they aren't going to make you take stat again.
If you even have a BA they will only require you to take the core classes that would apply to only the degree. If there are some that are there because they enhance the degree but you already took a class equal to it then you don't have to retake a class that covers the same topics.
For Psychology I took a class called Communication in Psychology. It was my communication requirement for my BA in Psychology. When I changed to Sociology I did not have to take a different communication class, I already had one that had passed the requirement for a different degree. They had one that one of the Sociology professors taught that went over styles of communication and how to understand what is really being said, etc .... I did not have to redo that class. The same will happen to you. There will be classes you will have already taken and not have to redo.
It's worth seeing. My friend got her teaching degree in 2 semesters after changing her major. She was in the C, E, A, T and that is way different that an education degree.