Lindsay,

This won't help you right now, but once your littlies/you are ready, if would work out a whole lot cheaper to do a Cert III or IV via a Commonwealth Government Traineeship, combined with a part time job.

For example, in a couple of years, you may want to go back part time, and get a finance/bookkeeping/accounts payable job purely on your experience. You can then ask your employer to place you on a traineeship (which they are usually more than happy to do) at NORMAL award rate wages for your role. You sign a training contract, and the Commonwealth Government pay $4000 (a proportion at the start and the remainder at completion) to your employer. Then your employer pays the course fees and assessment fees for you to a Registered Training Organisation to train & assess you in you chosen Certificate (that is nationally recognised.) (And your employer would most likely get change out of the $4000!)

That way it would be totally free for you, and of course, of great value to your employer.

Depending on how much "credit" you can get for your Recognition of Prior Learning, a Certificate III in Financial Services (Accounts Clerical) would take only about 6 hours of study per week, so you could easily compete it within the year.

I know this is not an immediate solution, but thought I would throw the concept in there for you...........