I just want to add...
If you are torn about going to school, really think about WHY you are thinking about continuing your education. Is it because people are telling you to (parents/family/friends), or is it because you actually WANT to learn things and develop skills that will help you over the course of your life?
School is something you have to want to do to be successful and get the most of it. That's why its important to find something that you enjoy in some aspect to study.
If you are questioning it because you are unsure whether its really going to help you, thats great. If you are questioning it because you are just wary of an unknown future, you may want to just say 'F*ck it' and go for it. Life is full of uncertainties, and sometimes you just have to start an adventure that you never know where it may lead you...
Regarding the degree you listed...remember thats only an associate degree, which although its a great accomplishment, isn't going to get you very far in the real world. If you're looking at going to college, don't just stop with the AA or AS, shoot for a bachelor's. That's what is usually going to get you looked at, and is also a minimum requirement for many good jobs today. An AA might get you in the door, a BA is going to get you 2 steps up the ladder from the same starting point.
Now granted, the fact you are trying to get into something music related means that a BS isn't going to get you too much further than an AS, its more related to the skills and experience you have, but if you were to decide that you wanted a job in a different field or sector, that BS might give you a major leg up on the competition.
Regarding going into debt, don't sweat that too much. You have years to pay that off, and the idea is that you're going to be making enough money that its not going to be a big deal to pay off 20-50k in 5 or 10 years. Med school bills are a diff story. I can't imagine looking for a job with a quarter mil of debt on my shoulders...
Also, I'm curious what exactly turned you off of the school you visited. You mentioned that it felt 'small and forgotten'. Did you arrive at that assumption purely based off the appearance? The equipment they had? The instructors? Did you speak to any current or former students there about their impressions and how the school was for them?
There's alot more to an educational facility than just the appearance of the campus and how new the equipment is...you can get a great education in a condemned building if you have a good teacher...
Sorry that ran longer than I intended. I'm kind of in the same boat. I put off school after high school thinking I could make it on my own and realized that its not easy. I didn't really want to go back to school but I felt it was the right thing to do, so I said 'F*ck it' and did it. Then I got burned out again and took some time off, and now I'm gung-ho balls to the wall ready to just wrap it up. Because I did it that way, I am ending up with two different associate degrees, one general studies from a community college (worthless) and one in a specified field (not quite as worthless). I still have a year and a half to go on my BS and although it seems like a long time, its really not...
Good luck.