L.K.
First, good for you for doing so well in Chemistry! I did not have to re-take it but, I barely got through with a C!
Nursing school IS hard work and requires time, energy and commitment.
I'm sure you can find a program that requires minimal clinical hours and a lot of online work. But as Jo and Ina commented, nurses who do that, not only are not thought highly of, but your options are limited.
I graduated from an ADN program in 1986. I was not married, but worked full-time and went to school full time, because that's how I HAD to do it. I did find an RN to BSN program which I finished in 1994. At that time, I was still working full time, married, with a 3 year old and pregnant. And Ina was correct that I found a college that was close and convenient. My BSN program also required clinicals. Now I was given some credit for already being a working RN with some management experience, but still had to attend classes, develop clinical plans, do research projects and do more clinicals. But to get credit for what I had already done, I had to write a proposal on why I thought I deserved to get credit for whatever. Nursing management is a perfect example, I had to write a multi-page proposal outlining my management experience in the hospital. How I scheduled staff. Dealt with difficult patients. How I dealt with employee issues and conflict management, etc. *Both degrees were from accredited colleges.
Some of the classes may be easier for you, but like you mentioned in your some others may be really tough. Personally, I found A&P easy because it was concrete, psychology not so much. Microbiology is tough, but Pathophysiology is REALLY tough!
And honestly, no one likes to work nights, weekends or holidays. But people don't want to be sick, have emergency surgery, have accidents and yes even die a those times either. Most people go into nursing because they truly care about people and want to take care of them, which does mean 24/7 in some situations. I worked in a hospital 13 years on all shifts and worked all holidays over the years. You were off Thanksgiving OR Christmas. Not both. And what ever you were off one year you worked the next.
After I left the hospital, I worked in a lung specialists office for another 4 years. OK, no weekends or holidays, but no days off during the week either. No field trips, no school lunches, no PTA meetings, etc. *I was the only nurse and clinic manager. I also have been self employed as a clinical research coordinator and nurse analyst. But you are still at the mercy of your clients.
I suppose you could look into school nursing. You'd have all the holidays off, but be taking care of other kids when yours are doing things you may want to attend.
As far as the changes in healthcare, I'm not sure anyone knows what is going to happen. But I doubt pay will go down. As far as the Master's programs, they've been talking about that 30 years and it still hasn't happened. Don't listen to the 'what if's' and just work on your goals.