When hiring technical people, we look at education and experience. Depending on the age, one or the other takes greater importance.
At a (relatively) young age of 25, education is the most important. Your education does not qualify you for a STEM job, simple as that.
Now, a number of jobs can be had based on personal relationships. Let's say you have a special skill not reflected by the degree(s) you have, but someone you know is aware of it and in a position to influence someone in a hiring position, you could get a hearing and if you do have skill, you may get a chance at a job.
My understanding is that at the moment you do not have marketable STEM skills, so the only way is to get some.
You can try to do that while holding a job you are qualified for. It will take a while because it will be night school but at least you will get paid while doing it. You won't have too many free nights but not so much debt when you are done.
The alternative is to go student full time, pile up more debt but hopefully get done faster.
Which way to go depends on your personal (family?) situation and the kind and level of pain you are willing to endure.