I can't tell you guys about my whole life situation but I can tell you that my life is comfortably useless.
I do have a decent credit score. I just can't get a student loan since it was forgiven. (a long story) so I can only get higher interest general loan to pay for any online programs I'd choose. So far, The Think Tank Online and CGMA caught my attention.
My career goal? Vehicles and props. I am not sure about anything else. What I can tell you is that I am not that interested in cinematic CG. I am very reluctant to jump into photo realistic character modeling. Not my cup of tea. I do have some interest in stylized character modeling and sculpting but I am not even sure if I can do that along with vehicle and props modeling.
And some rudimentary rigging and intro to game engine, too.