Wait the extra year and go to Charity instead. You sound so much like me when I was deciding between getting a cheaper ADN vs expensive BSN, and like you I chose the BSN route because I didn't want to wait any longer. I was also your age, 30, when I started nursing school. I foolishly thought I could do something like IHS or one of those gov't programs that pay down your debt for working in a rural/urban/financially challenged facility. So, I incurred 50k in debt, and completely regret it.
First off, you are falsely believing that getting a gov't subsidy of whatever sort will be easy. I listened to everyone who told me to take the debt, that there were options galore for paying down the loans when I become a nurse. Not! It takes years to get one of those gigs, if you get it. I know nurses that have applied 3 and 4 times before being accepted. In the meantime? You have to keep making those monthly loan payments (you will have to keep making those monthly payments even if you are accepted to some of those programs, so read the fine print before signing on).
Another thing to remember is that one year in the grand scheme of things is not that long at all! And many hospitals WILL help you pay for your BSN.
To echo the other posters, please carefully consider your decision! I became a nurse in order to work in public/community health, but unfortunately I can't go that route right now because I have to feed my "kids" first lest the government garnish my wages and ruin my life in general. Because when you take on that kind of debt, your loans do become your kids, like it or not. And kids, of course, always come first.