I'm currently working on my debut novel as my Thesis at Southern New Hampshire University. The timeline to finish my degree (and by default my book) is February of 2021. I hope to pursue self-publishing quickly after I graduate.
First, I have to say that getting my MFA has genuinely helped me to learn all the ins and outs of what it takes to be a writer, as well as what it means to write well. I have enjoyed every moment of the journey.
But as far as you're concerned, only you can answer whether or not you should pursue a higher degree of education. It is quite pricey to obtain an MFA degree, so that might factor into your decision.
I also attend school online, so you might have to consider how well you take to online learning. You have to be disciplined and keep your deadlines (which just so happens to be good practice for becoming an author).
And last but not least, there are a TON of resources online that can help you to at least start the journey. It might take you longer to get where you want to go, but it is possible.