Hi . . .
I went back to school after receiving an AA degree when my children were 2 and 4. (I worked in greenhouses, was just divorced, and could not financially make it without some training somewhere!) I received grants and loans and stayed in campus housing at a major university.
Personally, as a nurse, I didn't see any big advantage in going for the BSN except maybe 25 cents more per hour, which could be made up some other way (like doing 3 chart reviews/month!). I didn't want to do supervision, though . . . hate that scene. And my loans took 10 yrs to pay off. I also worked Home Health and earned what all the other nurses were earning. Unfortunately, though, things get slow, you get canned unless you can build up some seniority.
Not sure this answered your question. If I were going to be a nurse, I wouldn't bother going through a BSN program unless I wanted to go into supervision or advanced practitioner training down the line (which is what I did eventually do).