I can't believe that the community college won't look at your transcript or talk to you. I am a great believer in community colleges and this just doesn't fit with what they do. What office or department did you speak to? That said, someone who bills themselves as a college counselor, in an individual practice should be open to working with an adult. Many times, these are people who previously worked at colleges in some advising capacity, such as in student services. Do you know what you want to major in? You could contact advisors in specific disciplines at universities or colleges around you. However, this really varies by school. Private colleges tend to accept less transfer credits.
My advice would be to make a list of schools that you might be interested in, that you can afford and contact them. There is a huge difference between a regular private university or college and some of the "for profit" schools like University of Phoenix. They both may be expensive, but you are paying for a very different experience. I am getting a second graduate degree at a university that has a strong adult bachelor's degree program, with limited residency. It isn't cheap, but you are getting a degree from a school that has a certain reputation behind it. To me, a loan for this type of education is worth it. Same thing for an on-line degree from a regular state university. You have the reputation from the regular university behind your degree.
If you really aren't sure what you want to "do," then you might want to meet with a vocational counselor. They work with people to figure out what careers might be right for them... I am sure that this might include college search. I had to take a course in this for my degree, and it's a field that is often overlooked by people with "what do I want to do with my life" questions.
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