I can’t afford to study postgraduate. I would a lot of money in the bank to study postgraduate, which I don’t have.Seriously? that's the take away you take from what I said, I scrimped and saved and owe a shit tonne of money to HMG because I decided to go back to uni and get a degree in a field I wanted to learn and grow and felt genuine passion for.
You need to start reading what people say, not assuming what they're saying and not be so closed and single minded on things.
Yes you could learn a Programming Language or two or three, with your attitude on display, I doubt you actually will though.
I’d like to study but there are no means to for people on modest incomes in the UK, particularly with existing qualifications.