Bro, you're making life too hard on yourself. I went to Duke. Just come here and they will do everything for you. But there is a waiting list. So pay for your first course and you sre good to go.
Why ala, go to Duke. They got the cutest and best teachers. ALA are for the Duke rejects that don't want to be put on the waiting list. I think they sre in the same building. Hit up Duke, be on the waiting list, come here, and they will babysit you through all the steps. I spent 1 year at Duke, and all the bar girls love my Thai.
if you have to worry about income at 67 then you didn't plan out your finances correctly. Message me directly if you need help figuring it out. I'll find a way for you to max out living on SS.