So, the first thing you should also determine is whether you have the support to go through an ADN or BSN program, with your child(ren). You'll probably have commitments that can run from as early as 4-5AM all the way to late at night, especially for clinical. If you have a significant other who can pick up that workload, if the school you are planning on attend has childcare services, or if there is a nearby daycare center, that will all help. You mentioned living in one state, but attending a graduate program in another (Frontier). How will that work with your responsibilities as a parent?
Next, you mentioned financial aid. First, how do you know you haven't reached any limits on your financial aid? Have you actually sat down with a financial aid counselor and went line by line on what you qualify for and what you don't qualify for? Even if you have had a brief conversation with one, you really need to sit down and figure out where you with those limits for each aid type that is offered (Pell Grants, FSEOG, Work-study, etc.). If any counselor ever says that there are no maximum limits or that cannot backup what they are saying with writing, you should go to their supervisor. More important, how do you know that financial aid will cover the MSN, once you finish the ADN? Maybe, you will need to take out private loans. You really have to think about how your going to pay this off. If you decide on working for a year to save on the cost of graduate that might help with the MSN.
Here are the prerequisites from some local ADN programs: http://www.sanjac.edu/sites/default/files/Nursing%20ADN.pdf, http://www.hccs.edu/media/houston-community-college/coleman-college/pdfs/admission-steps/RNSG_Spring-2017-Revised.pdf, http://www.alvincollege.edu/Portals/0/userfiles/documents/adn/pdfs/packet_2yr.pdf
Here are the prerequisites from some local BSN programs: BSN Prerequisite Guide - Prospective Student - The University of Texas Health Science Center at Houston (UTHealth) School of Nursing, RN BS Admission Requirements - TWU College of Nursing - Texas Woman's University, http://www.nursing.txstate.edu/prospective-nursing-students/bsn-admission/BSN-Requirements/Prereq-Courses.html
You might notice that there is a lot of overlap with psych, anatomy and physiology, English, and microbiology. Because those prerequisites usually have requirements to take them, you will probably take some form of general chemistry and biology. After you take intro to psychology, lifespan would be the next class you would take, so not too much trouble. Nutrition could also be taken after you take chemistry and biology. The only classes that might give you trouble would be the foreign language (which might take care of other requirements, as well, like arts), arts, history, and philosophy. Again, there might be a few classes you don't need to take by the time you turn in your application, that are only needed to be completed before you enroll. It's up to you, but it seems like you will be spending a year bridging that gap in the ADN-MSN to cover what you would have learned as a BSN. You should see if you can fit those extra classes during the time between when you turn in your application and the start of school. You should see if classes can be applied to multiple requirements. If you have to call up or email the school, that might help with figuring those things out. But you won't know which route is faster, unless you know what you can do with the prerequisites.
Then, what I would do is create a table or a spreadsheet and figure out what would cover your ADN and MSN bridge program and what would cover your BSN and MSN program. This information is available now, I would just use current interest rates, maximum borrowed amounts, and any other numbers, to figure things out. That should give you an idea what way would be cheaper. I don't know how you calculated the 6 and 7 year projections, but I would definitely make sure they are correct.