Catch-22

I've been looking at jobs that would utilize my current skills. I have knowledge of most MS programs like word, excel, powerpoint, and outlook. I am also skilled in Pagemaker, Photoshop, and InDesign.
I would love to find a part time job as a graphic artist. Unfortunately I need skills in Illustrator and possibly Dreamweaver.
I found a place where I can take classes in the aformentioned areas but they cost $175 each. That would be 4 classes because they have Illustrator 1&2 as well as Dreamweaver 1&2.
That's $700 to get the skills to get a better or part time job. Problem is I need a job to get the money to take the classes.
I'd call that a catch-22.

I've also checked into getting my masters and library certification. I can do it online through the University of North Texas. Money is still a problem.
First I need to take the GRE. That means I have to pay to take it. I also have to find time to study for it. That shouldn't be a problem as my work schedule is getting light the next month & a half.
Then assuming I make a decent score on the GRE and can qualify to get into UNT as a graduate student, it will cost about $2600 a semester and I'd need about 3 semesters of 12 hours each to get my masters and certification. From what I've found, there's not a lot of scholarships and grants available to graduate students. Getting a loan is an option, but that just means adding another bill that I can't pay.
If I did get my certification and got a job, I'd be starting from scratch on the pay scale and would make less as a first year librarian than I would as a 5 year teacher. (But it would still be more than I'm getting in my current job.)

I make too much money, but not enough. Sometimes life was simpler on welfare. It's doubtful though that I can find a house for rent for $75 a month again though. Those were the days.