How do I decide between TEFL Certification, an AA, and a Masters with limited finances?

So I’m interested in becoming a teacher. My original goal was to obtain my TEFL certification and teach abroad for awhile. after I graduated with my BA in International Studies. As I’ve been browsing and learning more about the financial requirements to afford teaching abroad, I’m worried that I won’t be able to afford it. First there’s the cost of TEFL certification, housing for the program, food, transportation and etc… There’s also the costs associated with actually teaching abroad after getting the certification. I know there’s an option for online TEFL certification but I know I wouldn’t do well with that and I’d much prefer being in the classroom. So as much as I would like to, I fear that it may not be the best choice.
I was considering an AA in Education because it would be cheaper, slower paced, and it would most likely leave me time to work and save money. I was also considering a M.Ed or a MAT because it would prepare me and offer better job prospects but it’s also expensive. I don’t want to accumulate any more debt that I won’t be able to manage. So I just really need some advice, suggestions, on becoming a teacher. I would love to teach English abroad and I would love to teach primarily to students in early childhood and elementary. What would be the best option? What are some advantages/disadvantages? Any advice would be greatly appreciated. Thank you.

I know nothing about TEFL or teaching abroad, so I’ll let that go.

I’m not aware of any state where merely an AA will enable you to become a certified teacher. So here’s what I suggest.

If you’re considering getting your AA, it’s a great choice. You can go to community college and get a degree after 2 years. Then transfers somewhere and get your BA or BS. Make sure you transfer into a program that will leave you with certification along with that Bachelor’s degree.

In many states-- NY included-- you’ll eventually need your Master’s Degree to complete your certification. You can teach for a number of years (I think it’s 10 in NY), but you’ll eventually need it.
Check your state’s State Education Department, under Teacher Certification, to find the requirements in your home state.

Since requirements do vary from one state to the next, you may want to consider staying in-state for your education; it tends to simplify the process. If that’s not in your plans, google “Teacher reciprocity” to find states that will get you a certification that will be accepted in your home state.

Now, here’s the bad news: the job market for elementary and early child ed has always been brutally tough. The reality is that there simply aren’t anywhere near enough jobs for everyone who wants to teach young kids.

So you’ll have to be smart about this: find ways to make yourself more marketable.

Take a look at your community college, and find what certifications they offer in education. Can you get your AA in Literacy? In reading? In anything beyond straight El Ed?

Think carefully before jumping at the 5 year programs you’ll see that will enable you to graduate in 5 years with a Masters… you may price yourself out of the job market for a new teacher.