Interesting Grants and Loans situation

[SoloAJ]

So here is my interesting situation in the state of Illinois.

I get pretty much maximum financial aid. My mother makes like 26k a year with 4 kids. I get about 10k in grants and 5k in loans per year.

I was planning to get my English BA this May, then reattend ISU for 2 more years to get secondary teaching certification (by way of a 2nd bachelors).

I found out recently that you cannot get any money from grants if you have a bachelor's degree. So instead of going from 10k in debt to 20k in debt (like I expected)...I would be going from 10k in debt to 40k in debt, just by adding two years.

So I am now toying with the idea of switching majors in the next couple days to English Ed. This would make it impossible for me to get my BA in English. And, in theory, get 10k in grants again per year.

So basically I was getting my English BA as an insurance policy in case I didn't follow through the next 2 years and get my English Ed BA.
Is it worth $20,000 for that insurance policy?

Questions and comments and advice all welcome.