I mean if online courses are cheaper sure. Tbh idk if any college would give me a loan and even if they did idk if I could ever even remotely pay it back
maybe do a couple free courses online in the type of area you want to learn. Dip your toes in it first and see if its the right move before putting up money or loans.
You can also Audit paid courses. That means you can go through the course for free but they just wont mark your work. So whatever you choose you can discover what you may like to do.
I did a couple of courses for computer science for free online when I was figuring out what I’d like to do.
What about applying for scholarships? If you apply to many small ones, they add up. Many people don’t apply to them, because they are small amounts. There’s no time crunch for you, so you can apply to quite a few. There’s also scholarships specifically for those with mental illness.