Unsure what to pursue

[SolarKat]

In the homeschool space, there *are* folks offering online classes, as an example:

St Raphael's (classical education model)
SKrafty Minecraft Homeschool Classes (Minecraft as a teaching tool)

So it's possible to carve out a niche. St. Raphael's does live lecture times, but they're shorter duration. SKrafty does live and asynchronous. I mention them as examples of outside-the-box businesses. If you have an interest in, say, psychology or health, you might be able to create some sort of ongoing subscription/tuition based model, for children or adults.

SNHU Online - Community & Health Education
ASU Online - Health Education & Health Promotion
Since you've mentioned using Pell Grants & available aid, these options, while not super-quick like TESU, might be a better fit for your personal interests. Combine this with a masters in instructional design, and you've got an education portfolio that makes sense.

(You've mentioned IT previously - what does a home-based IT job "look like" to you? What, specifically, do you mean by IT degree?)