Is it loans that are stopping you from attending an accredited Bible college or seminary? If you want an (actual) bachelor's in Divinity or Theology, find an accredited school, especially if you want to be a full time pastor of a major denomination. Of course you can go non-denominational but that usually involves starting your own church (you will be extremely poor until you build up a sizable congregation, after which you will only be very poor) or taking over for an existing pastor when he retires. If you're being called to be a pastor, you should do what it takes, but an unaccredited school is not the way to go imo.
Edit:
lol @ below, just looked up at my custom title. Oh well, it's a great song and luckily not a real condition.