If you are in the service and thinking about separating, find a community college to use your Post-9/11 GI Bill at. There's your cost problem solved (I'm assuming you have at least 3 years active service, so that's 100% tuition and fees plus BAH and books). So what if you have a BS already, 1-1.5 years of time and GI Bill eligibility to get ratings for free and get paid to do it is a no brainer.