I wouldn't be taking out huge loans for this, thankfully. I have a full-time job, and could pay for the degree without hurting my pocket "that much". What I am more scared of failing again, wasting so much money for nothing.

I have already looked into online "alternatives". However, it feels like getting accredited makes so much more sense.

I know that comparison is the thief of joy, but it's hard to have friends when most of them are more successful than you are.