JOLIETTE:
I read your post and am sorry to hear what you are going through. Yes, living in the world is tough, no lie.. It is especially so for people raised JWs who never really got established with a decent job/career. Those who leave the religion now know they have to jump feet first into getting their education, etc. as there is no time to waste.
Your concerns about your financial future and situation are valid and the reasons you want to go back, because (as you say) you are struggling now and worried about student debt and worried about possible health issues, etc.
However, are you absolutely certain your family/mother are going to let you live with them? Will they support you or let you live there jobless? Do you have an expectation of inheriting a house or property?..Even if you were to inherit a house, you need money and income to maintain it (taxes, utilities, repairs). Um..Do you think you are going to get monetary assistance from the JWs in the congregation?? 😬 Please say you don’t believe this..There are fewer people there even able (or willing) to give $$. They are being hit up left and right.
This is where your job/career would come in. If you became a JW again..you would be strongly discouraged from having one. This is what they DO - especially to a woman. They tried to do this to me and I wouldn’t be Retired if I listened.
Nobody can tell you what to do as the decision is ultimately yours. I wish you all the best if you decide to go back to the religion.