Not even a nursing student yet, but I certainly work in a general medicine unit as an NA I+4, and I can tell you doctors know less about a patient than nurses most of the time. If you're going to depend solely on them, you're screwed. (Not to knock doctors; they're wonderful. However, it is the nurse's job to observe the patient, and provide life-saving information to the doctor that they may have overlooked or are not aware of. That's why it's called a health care team.)
I truly hope your finances turn around, dear. I feel like the stress of money and time weighs hard on you, as it does for many of us. I'm actually going into midwifery (ironic for this post, I know) as a second career, and have no one to help me financially this time around. I get that money sucks, and life is short. Truly. (Is this your second career too? Let us know!)
Just don't forget that your end goal is to help people. You've got to take the class and learn from it to pass the NCLEX; I understand how frustrating that can be. But please, don't let your frustration distract you from your end goal of licensure. And the only way to get licensed, and make all that time worth it, is to pass the test. Which, as frustrating and pointless as it may seem now, will ultimately pay off. And who knows? You might even need some of that info some day. It will be a win-win-win situation.
Peace, dear. Hope things turn around for you. :)