Hello! I am an out of fielder myself. Due to life circumstances I have to stay in the Southern California area (I own a home, silly me!) so my options were reduced to: Transitional Masters Programs- of which there are two in SoCal: LLU and U of R, or go the post-bacc route. I know that for post-bacc there is Utah State University as an online program, and a lot of out of fielders I know went that route to get the degree or to raise there GPA's.
I was accepted at Redlands, and I do also share with you a great deal of anxiety when it comes to the finance aspect. As a grad PLUS at U of R I calculated I would need about $86k in loans JUST FOR TUITION. Since I am currently a working adult with bills, I would also need to have a cost of living loan, our circumstances may be different here on how much loans you would need. (Side note: I just calculated the online USU post-bacc would cost about $12k if you can complete it in 3 semesters and the five extra pre req courses through U of R as grad PLUS should add about $15k to the regular grad program tuition)
To me, I felt that if I could get in as a Transitional student, the extra cost for the one quarter, finishing in 2.5 years AND attending my top pick school would be worth it over adding another year of college courses. Loans and being cost effective after graduation are big issues that you should very carefully think over and talk about with loved ones. My husband and I discussed the loans and finances CONSTANTLY and he is on board with me pursuing my dream. Consider what you can afford, what your comfortable with committing to, and keep your focus on your goals! Hope this is helpful in some way...