Some of my nursing instructors have told me that there is no difference in pay between a BSN or ADN. Two people that have graduated from this same ADN program are making very decent money, and they also say that there's no difference in pay.
I am attending a community college that costs about $1200 every semester, and I will have spent about $1000 on books by the time I graduate. After I pass the boards, I plan to get a job and experience, then maybe next year begin an online ADN to BSN bridge program. The ADN-BSN bridge is definitely more expensive than schooling for the ADN, but I will have a steady income by then.
It does stink that you've already spent $20,000 on your first year of prerequisites (would you spend a total of $80,000 for your BSN?), but if money is such an issue, which I can totally understand, then maybe it would be better to get out of there and continue with a community college to get your ADN and go back later when you have more money for your BSN.
I wish you the best, good luck.