A side question is how can these courses ever hope to replace university level training? - https://www.edx.org/ Some top tier univs there offering courses and degrees.
I know the top tier Universities are offering degrees, but it feels like the content of those courses is not nearly as deep as the content I was taught at an admittedly lower grade university.
If you have a diagnosed medical condition, FMLA is an option. Depending on which state you are in, you will be able to go on short term disability and not go broke. Talk to your health care provider and your FMLA provider.