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"Otherwise, I will have to take out freakishly high interest loan, if I can even get one..."
Don't as those type of loans can be something which will affect your life for a generation or more. And family stress is bad enough, without being compounded by a ballooning debt, and the very, very abusive nature of student loan collections people. They can act well in violation of FTC guidelines, and can pull tricks which would send a police officer up the river if one tried it.
As a prof, me and my colleagues routinely have to deal with the consequences of these corporate loans, both for troubled students and professorial associates. It's a form of pressure you do not need compounded with everything else.
Your other situation, as others have noted there is help out there. Get some on site help and advise before making decisions. Might consider if you do have the 4,000 available start at a CC, take enough courses to be a full time student and no more. Perhaps through the student services offices/counselor might be able to link to other forms of help.
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