I went through a similar dilemma recently, trying to decide whether to go into an ADN program or do an accelerated BSN ( I have a BA in biology). I eventually decided on a top-rated ADN program that is close to my house.
You might want to consider that in addition to the higher costs, an accelerated BSN will be extremely intense and it could be hard on you to spend so much time away from your kids. An ADN program will be a bit slower paced (albeit still very challenging) and may afford you more time for a personal life.
After you complete your ADN, you can work on your BSN while you're working as a nurse. I think most employers will reimburse your tuition costs for an RN to BSN bridge program. There are lots of RN to BSN programs that you can complete while you are working. In fact, the program I'm looking at allows me to start taking some of the BSN theory classes while in my second year of the ADN program (if I can find the time!
) And since you already have a bachelor's, you will probably only need to take the core nursing classes to get your BSN.
Another thing: if you decide to do the ADN then do an RN to BSN program, you might want to look ahead to see if you have all the non-nursing classes required for the BSN. For example, the program I intend to enter after my ADN requires Cultural Anthropology and Sociology so I took those classes along with my other prereqs so I don't have to take them later.
Hope my suggestions help! I know you'll have to weigh all the factors to decide what is right for you and your family. Good luck!