A Struggle...

So, I graduated from college in 2003. It is now 2010, and I still have not completed my Master's Degree. Geesh, by now, I should have completed my PhD. So what the heck right?! I have made a few attempts to go back, but craziness always jumps in my way.
Well, now, one of my biggest struggles is figuring out what I want to do, what is it I want to study? I would love to get a degree in Photography or Art, but the only place that is offering anything "online" requires that you take the GRE... don't have the time or money for that. The schools that offer photography want like $500 up front as a deposit. I can barely come up with the fee to apply let alone a ridiculous deposit.
Then I thought, about History. Like studying the history of religion as a whole. I hate saying this, but all the schools out there are only offering Masters in Religion and then of course the religion is Christianity. Not that I am opposed to Christianity, it's just I want something more all encompassing.
Something about all religions...so, I thought philosophy, and I can't even find a school that fits my needs for that.
I don't feel supported at all. That's frustrating in itself. I want this for myself. Who am I kidding....