I need the lesser of two financial evils. I was laid off from my job a few months ago. Taking a hard look at the job market, the reasons for my layoff, and my current skills, its unavoidable. I need to go back to school and get a degree. AI is fast replacing my area of expertise, and I am 43 years old. I need to still be able to work for a living. This will require about 20k in federal …