my opinion, is this why work and pay for a degree you do not intend on pursuing? sure it may be a resume booster, but really, i doubt most employers will care if you have a Psych degree going into food services. hypothetically of course.
if what you where doing before in school is the career you want, DO IT. yes you will have to make changes in life and sacrifice things. but in the end i think you will be far better off and much more happier then some crappy online school that does not count for crap in a bucket in the real world. the sooner you complete it the sooner you can rebuild your sacrifices.
trust me, i recently tried returning to school only to find out my HS has no transcripts for me. Life happens, trust me i know, but taking the time you need now to better yourself is a lot better than wasting valuable time and being stuck in my position in life.
Go back to school even if it is a class or two a month, but do not waste your time or money on something you do not intend to pursue.