I found that I was able to finish my associate degree, pre-reqs for LPN and RN program, while on the waiting list at Lake Superior - I got sick of waiting, talked to and went to Scholastica, where I finished in 3 years, about the same time others were getting their degrees at LSC. CSS was a better option for me, initially just due to time, and in the end, I'm glad I got the BAN - and I did get good financial aid - not sure if there's a whole lot for the 2nd bachelor's though - be sure to ask about the MENTUR program there, you might find some good info about the financial support they can offer that way. Loans, though, aren't that bad in the end. I want my master's, so if I had gotten the 2-year, would have had to go back and get the BAN/BSN anyway.
As for the WI/MN thing, I believe you can have dual certs, you just have to pay for it in both states. Good luck!