I would not encourage anyone who's cash strapped to do either of these.
It's easy to learn new tech online if you're motivated.
Although I don't know what to say as much if you're not motivated.
If they offered better financing plans or some "pay back after employment" arrangement, I might consider.
Getting any job is an effort. I suggest people get better practice interviewing and presenting themselves. Finding a career coach or mentor is incredibly helpful. And finally, getting instructor-led education is potentially the best strategy. Even taking one introductory class can be invigorating to see a clearer path forward.
You're experienced enough to get good by doing courses online.
Just get over the fear of picking technology that will be outdated and do a course right now. Vuejs or React for the frontend and Laravel for the backend.
If both backend and frontend end up being too much, maybe focus on the one you like better.
Learn to deploy to AWS. Learn how to make a CI/CD in Github Actions to deploy for free.
Boom, you've done a bootcamp (or a bunch of them actually).
Now all you need is 10 year experience to get hired by companies... oh wait you already have it ;)