I’m considering go back to school.
That said, with all our debt ($100k+ in SL...)
I originally went to school for accounting, then switched to general business, then after two years of school done, had some personal issues, took a few months off then I went back to finally get a Bachelor of Science in Paralegal Studies (graduated in 2009). Not only are there few jobs open that pay more than I’m making now, they almost 100% require some number of years experience. I don’t have any.
I would suggest to you that there is very little correlation between [additional] schooling and job happiness.
Notice that you have lots of schooling already and lots of debt and a bad job.
Stop the cycle.
Decide first specifically what you want to do. Then, find out what is required to do that thing. It's probably best to go do that thing at a lower level without schooling. Then, if you find out that schooling is required/suggested, figure out the fastest cheapest way to go get the required schooling.
That's much smarter than spending money on more school.
Sorry if this sounds harsh, but notice the facts: You've already spent >$100k and you don't have a good job to show for it.
Once you decide what you want to do, there's probably a smarter way to do it than spending money and buying retail.
Example: you mention accounting.
There is no accounting degree required to be an accountant. You just need to know what you're doing and put a sign on your door that says accountant.
If you want to be a tax preparer you have to pass the IRS qualifications, not take accounting classes.
If you want an additional certification, consider becoming an Enrolled Agent rather than a Certified Public Accountant. It's not easier, but it is cheaper and simpler. No college required.
If I wanted to be an accountant, I would go get a temporary (seasonal job) at H&R Block doing tax return prep. You could probably make the same amount of money you're making now doing that. Do it for a season--maybe two--to make sure you really like it. (Get paid to make sure you like it rather than paying for school to go see if you like it after school.)
If you like it, study for and pass your Enrolled Agent exam. That doesn't require school, it requires education. You have to study and learn, not get "certified." Once you're an EA, you're authorized to represent taxpayers before the IRS.
Open a tax practice, build it up, make $100k per year, pay off your loans, save money, gain FI, and then keep working 8 months out of the year if you still like it.
NONE OF THAT COSTS YOU MONEY FOR MORE SCHOOL.
Later, if you want, go get a Masters in Tax or sit for the CPA, etc.
Most industries have some kind of shortcut like that.
Apply the same careful shopping techniques you apply to other areas of your life to school.
And remember, more school does not a better job make. It only makes you an unemployed person with more schooling--and probably less money and more debt. Figure out what your dream job is and then only get more school if absolutely required.