There is a big problem with getting a fine arts degree. No one will buy your book or music or movies because you have a degree. And no one won't but your book, music or whatever if you don't have one.

So what are you getting? Especially considering the cost. I think it is only worth it for personal development and networking. This guy does a good review on getting a fine arts degree:

And I like the argument of being paid to write creative writing you aren't passionate about is not a nice experience. You will be locked in a job, if you are lucky enough to have one, writing stuff your heart isn't into. And then that drains your creativity and energy for writing something for your own in your free time which you are passionate about.

That being said, in my country there was a study showing what factor have impact on the likelihood to finish your degree. If you pick your degree based on what your parents advice, based on expected salary, based on status, those kinds of reasons for picking a degree, they are negatively corrolated with your expectancy to obtain a degree.

So ideally, you are passionate about something that has good job outlooks.
Personally, I would look at degrees that teach you concrete skills that transfer over well to industry.

I don't know about schools in your area, but if you go to a big college or a college town, there will be a lot of students living there, looking to make new associates and maybe friends, trying to organise activities. And, to find people that they can support on in their academic struggles. I only know of University of Michigan, but that's probably hard to get into.

You talk about treatment team and other things. I don't exactly know what you are referring to. I would normally say, "Just take the jump and charge forward." Either way, I still think you see too many problems. What about all the new experiences a life alone in an acdemic enviroment would offer you?