I hope this helps. I have never heard of a 4 year college requiring all the tuition up front. So while it may be 30 thou for 4 years, what is more important to know for your purposes is how much is it for 1 semester? And how is it to be paid? Monthly? 4 payments spaced over the semester? I suggest you identify where you want to go and then ask that school for help figuring out how to pay for it. Go part time, if you have to. I took one class at a time because that was all I could afford. It took me a long time to get a degree, but I got it.

As for the phlebotomy course; can you volunteer with the Red Cross? Wouldn't that get you experience? Can you volunteer at another place that offers free clinics to poor people? This would get you experience and contacts.

Please make sure you are searching high and low for scholarship monies too. Not at one of those scholarship websites that might be a scam, but through every association and organization you can think of. This is an example of what I mean: CNCDA Now that one might not be relevant to you, but maybe one for some other field is. There are scholarships and grants for specific ethnicities, people from specific parts of the country, women, left-handed people, etc. And have you looked at Federal Work Study? http://www2.ed.gov/programs/fws/index.html
I hope this helps you or someone else. When there is a will, there is a way. Courage!