I would do it. I'm over fifty and going for it. It's something I should have done when I was young. I'm trying to convince my son who was raised a witness to do it also but its so ingrained that he doesn't need one to survive in this world that he thinks all will be rosy. I found out late in life that you can't go without a degree, especially if you want to get paid decent wages.
There are plenty of public universities, with cheaper tuition fees, in all states. Many times they offer online classes through the normal degree programs. Online courses are becoming more popular and universities don't have a choice to follow suit. Many times I discuss with the professor to see if he requires attendance. This semester I have two online classes, and the two other are regular classes (they have streaming video of the class material) so I have arranged with the professors to only show up for the tests. Not all will agree to this, depending on the material, but I've found most professors willing to work on the issue.
Good luck, make the decision, you won't regret it later, trust me.