I too decided to pursue a PTA degree after being out of high school many years. I am in my last clinical rotation right now ( 9 weeks long) and will be completely finished Aug 21. My program was a little over 2 years long, and I took as many pre-reqs that I could online. Actually, all of the core classes were offered online, but my math skills were lacking so I chose to attend campus classes for those. If online is an option, I would suggest going that route, the classes are not easier necessarily but at least you can choose when to log on and complete your assignments rather than spending time traveling to campus.
Beginning school again at the age of 40, with 3 children at home (ages 17, 8, and 6) and a husband who had just deployed to Iraq was difficult to say the least. My oldest was of great help with the little ones, but trying to study and complete assignments, maintain a household, and find time for the family was very hard. I would say that during the core (online) studies, I spent an average of 3 hours daily on school stuff. There were alot of late late nights for me. Once I started in the program, all classes were held in the evening, 4 nights a week. My oldest was then in charge of putting the little ones to bed in the evening. Talk about feeling guilty and selfish for not being around! I think it's important to be there while your children are little, and I feel fortunate that I have always been a stay-at-home mom, but that also has it's downside in that my children were used to not having to compete for my attention.
As far as school accreditation, I would highly suggest you go with the one that is accredited. I know it can never guarantee the quality of educational experience that you will get, but schools have guidelines and such to follow to keep their accreditation so it's one way to gauge their quality. My program required 25 hours of observation before beginning the program (not the core) and I knew this ahead of time so I went to a local physical therapy clinic and asked if I could observe there. It was easy enough. The school could also direct you in this area as well.
Luckily for us, losing a salary was not an issue since I didn't work to begin with. One issue that I did have to come to terms with was that my family plan during my husband's deployment was to stockpile alot of money toward a down payment on a house once he came home. Because I chose to start school, and we don't use credit cards or student loans, all of the money we would have saved has instead gone to my tuition. Since I attend a private school (which is the only choice in this area for PTA) the tuition is ASTRONOMICAL. I will spend the first couple years in my career now saving toward a home, but my husband and everyone else I spoke with said that it's just a trade-off and it's worth it in the end. As far as my classmates go, some continued to work part-time (waitressing, retail, therapy aides) up until our clinical rotations began. Until then they worked days and weekends, and weeknights that we werent in school. Once clinicals started mostly everyone stopped working (a couple still work weekends only). So if your program is day classes only, that might mean you have to work part time at night, which I will be honest and say will be difficult. I do have one big suggestion though: how about doing everything you can now, financially, to either pay off debt or save money for the next 3 years to cover your salary while in school. Your baby would then be school age ( no more daycare costs) and you could attend during the day without huge feelings of guilt about not being there for him/her.
Well, I hope this helps, and I realize you posted quite a while back but I thought I would try to give some insight. I know I was so anxious and worried about starting this process, but I am glad that I did. It's been hard work but it feels good to know that I have been able to achieve what I set out to do, and even though my family sometimes complained about it, I know it has made us all stronger. My children have learned what patience and diligence means by watching me, and we rejoice together when I earn a fantastic grade (and share my disappointment when I don't do as well I like). So go for it! PS I have to pat myself on the back now as I have been a 4.0 student since day one!
Good luck!