Snowbunny, I am wondering if you ever thought of a seminary for BTs, which may be out of the box you’ve been thinking of, but I know that Aish HaTorah has a very good seminary for women. Most of the girls are newish BTs but they have a high commitment and the learning is awesome and I’m sure the tuition is much lower than what you’ve mentioned here. Your background sounds similar to some of the girls who have gone there, but you’re obviously more advanced. You could contact Aish HaTorah or the women’s branch itself – known as Eyaht. Amazing place!!!
P.S. Maybe even a place like Neve has classes for people advanced in their yiddishkeit but looking for more learning. I’m not sure of their policies on tuition and such, but it might be worth thinking about a place like one of these to continue your education rather than a straight-out BY seminary.