1, as you said, you can get a loan to attend a junior college, but it is very important whether your major and the job you want to do in the future require a higher education. If not, it is unnecessary.
2. Self-taught undergraduate, the gold content is second only to the full-time undergraduate in school, and the cost is the least, which depends on yourself, but after reading a major, it depends on your ability. Specifically, you can go to the self-study college to study.
3. After work, if you need a higher diploma for job promotion, if you don't have strict requirements, you can send one by correspondence. To put it bluntly, it was bought with money.
I hope my answer can help you solve your problem. Your adoption and satisfaction are the driving force of my efforts. If you think my answer is ok, please accept it. I wish you a happy life. Thank you!