Brother,
Don't feel like a 3 year program is necessary...it is better to get out in 4 years and keep your wife. I did alot of jobs, sometimes having to change each semister because my schedule changed...look frist for church jobs/ministry, then for a job that might let you study some. You are one of many in a simular situation...often the school will have some ideas and work opportunities...and it is not wrong to ask for help from your church. Our church helps our seminary students....understanding that if they borrow money it is not likely that their income after graduation will be such as will make loan repayment easy.

__________________
Steven Simmons
Pastor, Fifth Street PCA
Tyler, TEXAS