One of the biggest factors I think you should consider if you want to go the self learning route is if you'll have the time to while juggling a full time job as

One of the biggest factors I think you should consider if you want to go the self learning route is if you'll have the time to while juggling a full time job as well. You might be able to take a few courses, but will you be able to dedicate your full attention to it, and really dig into the subjects? If I were you I wouldn't add on any more debt until I've settled my current one. With a good CS job, that shouldn't take more than 2-3 years, considering you have no dependants and presumably relatively low living costs. In the meantime, maybe take part time courses where you can get class credit, and if you plan it right you might be able to complete your degree in a year or so, considering you already have your basic requirements done. Just do some research into making sure your class credits will be able to transfer. Good luck.