Honestly online classes are hard to motivate yourself to do. I have some credits from them but I'm switching to going in person to a community college when I move. I think that will be much better for me personally for having more of a social life and participating in actual class discussions not online and doing things hands on, especially with a Biology class.

Kinda off topic but why exactly do you not see yourself as being able to work? You're relatively stable with the exception of some mood problems, it would be a good opportunity to get out of the house and meet people and give you experience for your future. Ticket to work is a great program it seems from what junkdna posts, I am going to try it once I'm settled in an apartment. Try not to limit yourself.

Back to the education thing, I know you're majoring in philosophy but is there anything else more practical you could see yourself getting a degree in? I think maybe because you don't see yourself ever working that's holding you back from exploring other options. You could always continue with philosophy and get a degree in it if you want but think in terms of job outlook, what's going to be in demand for a long time? Nurses, psychologists, etc I could go on and on, hope I didn't offend you just want to offer an opinion