Acknowledging online colleges

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I was a semester away in finishing my second year of college in Industrial and Organizational Psychology when I had to stop. I was attending a state university and even though tuition fees are low, the miscellenous expenses are high and our psychology professor would send us to another university library almost everyday, insisting that they have more scholarly books there. But after scanning pages of all available psychology books in the library, we would come back empty handed and thusly fail the exams because we can't find what we need. I quit school and worked to help with my brothers' expenses instead, hoping that after my youngest graduate it would be my turn, but I was planning to take up a different course instead since psychology wasn't a fist choice and that I had no choice but to take what my parents could afford to give me. I would really like to go back to college but I have baby due soon and I had to work to give my child everything it will need as soon as it comes out. Online colleges sounds really interesting and I was hoping I would find one that offers courses in Fine Arts, IT, E-Commerce, Office Management or Enterpreneural Management. I'm worried about the legitimacy of these online colleges, and how am I to pay for the instructions of these international establishments when I'm all the way here in he Philippines...