You can become an RN for the same amount of money. I love LPN's so please no one flame me. I have seen many LPN's that I would rather have than an RN anyday if I were the patient. However, you will have more career options ...for jobs and if you want to go back and get a 4 year degree you can do it online AND better yet get most employers to help pay for it after you become an employee there and meet their requirements(typically less than or up to a year as an employee and most have a condition for you to pay them back if you leave there before say a year after you are done with school..typically).
I strongly encourage you to look at community colleges and become an RN. I understand your postion. I made the same decision as a young gal wanting so much to become an RN and hearing that the BSN was going to become law"soon". That was 30 years ago.
Just know that without your BSN in some parts of the country you may not get your foot in a "magnet" facillity or acute care hospital. At this time there are ways around that. Like if you work there and are a stellar employee sometimes if there is an opening they will welcome you with open arms to stay on say from a PCA position. Most put conditions that you will get your BSN within say 5 years. IF you can get a job there.
However, since you are considering LPN anyway...go the RN route. I understand that some placement tests for LPN and the curriculum can be just as challanging as some of the rigourous education to become an RN.
Look for some scholarships
...find a way to do it. I did. I quit a fulltime job and went for it. Perhaps you can take some of the prerequisites up front. Just do ALOT of research and networking to make sure you are not going to be picking the quickest route but then do not get the education that will open doors for you. Again I hope no one finds this offensive. I am surely not"putting down " LPN's and their value to our society. I wish that things were different like it used to be and there will still plenty of options in acute care for them. However times are tough in all areas of our economy and you have BSN's(4 yr rns ) coming out of school with a tough job market.
My advice ...network..talk to people about where they went to school...what is the place like they work at . Volunteer ..heck get a job as a PCA and find your niche and go for it!