What’s The Best Way To Afford Continuing Education When You’re Married And Have Mortgages And No Equity?

My new wife has decided to go to school and get a BA in business. The problem is, she doesn’t want to go to a JC for her AA, wants to do it all online. In theory it’s not a bad idea, but if she does that, it’ll mean grants/loans for school and we’re further in debt and won’t qualify for a refi because of her school loans. We both would like to go back to school, but there are financial difficulties. I’ve an AS and want a BS, but classes I took at JC back in the 80′s won’t transfer over completely and I’d like to change majors. I’ll wait for school, but she won’t. I’m currently out of work and can’t find appropriate work to pay our home loans, so that means I’ll be getting two menial jobs working 80+ hrs. and rarily seeing my new wife. Once I’ve a good job(s) and we’re on our feet, we’re gonna refi for lower payments. Selling the home isn’t an option, there’s too much invested in it and the local market has crashed for sellers. It’s more logical to keep it. What’s our options?