The 2nd degree students all seem to struggle with these similar questions for how to enter the nursing profession.
I was the first person in my family to go to college, and my parents had zero advice on student loans or even majors (I majored in Cross-cultural Religion w/ a Bio minor because those were the subjects I liked to study...didn't really think about how that would relate to a real-world job.)
I've already got tremendous debt from the first degree. I don't regret getting to study so much of what I love, it was pretty luxurious, but my first set of student loans is definately an extra burden now that I'm trying for a nursing degree.
Definately think the ADN is the way to go in terms of price, but love the idea of an accelerated BSN in terms of time and getting into the workplace fast.
A lot of us are older too...I'm only 27, but want to start a family before hitting the 30 mark so I've got the biological clock to factor in too. Direct entry Master's programs have a lot of appeal, but are 3-4 years before really getting into the workforce! Direct-entry programs are real pricey too, especially for the first pre-licensure year. Just makes my mind spin!!!
There are LOTS of students like us, all struggling to find our way. It's pretty thrilling yet difficult to navigate so many variables.
Best of luck to everyone!