As a retired college teacher, I commend you on your pursuit of education, and encourage you to fully explore all of your options. If being a speech therapist, with a four-year degree from an institution in a city two hours away, is a career that excites you, try to make an appointment with an admissions officer, financial aid officer, or the department chair, and discuss your situation. There might be scholarships and other financial aid available for adult students, for students with disabilities, or some other kind of financial aid that you would qualify for.
Another route is to apply for a job at the college with the degree program that you like. Most colleges and universities offer tuition benefits to their employees. It can take a while to finish a degree this way, but I've seen secretaries get a BA this way, move into a better job at the university, and then get an MA, and keep moving up.
The cautions from other posters about online universities are valid. If your credits from the online university don't transfer to a four-year school, that is a red flag. A great way to cut down the cost of a four-year school is to start at a community college. Many community colleges have transfer agreements with four-year colleges: for instance, if a student gets a certain GPA at the community college, he/she is guaranteed admission into the four-year program for the final two years, with all credits transferring.
And don't feel bad about being 30! Thirty may not feel young to you right now, but it is young! Adult students are wonderful. One of my all-time favorite students was a guy who returned to college in his 40s after working in a bakery for many years. He got a journalism degree and is now working for a newspaper.
Good luck!