Not sure where to begin with this.
I have categorise your interests into 4 areas:
•
Business and content creation
If you are looking to do degrees in all areas, you will likely rack up an unncessarily expensive bill. Under ELQ policies, you are eligible to get student finance for your first bachelor's/master's/PhD. Any subsequent bachelor's/master's/PhD, you will need to pay for yourself, usually at costs higher than the standard home student fees. In other words, don't go for degrees you don't need to do just for the sake of doing them.
You can find the entry requirements of specific jobs on the following website:
https://nationalcareers.service.gov.uk/explore-careersOut of all the jobs that you have listed, only occupational therapy will require a degree. See the following:
https://nationalcareers.service.gov.uk/job-profiles/occupational-therapist. How you do this is up to you; either do an apprenticeship degree or get it funded whilst you work as an assistant. The list of apporved degrees for this job can be found on the following webpage:
https://www.hcpc-uk.org/education/approved-programmes/approved-programmes-results/?Professions=270450007&ProviderQueryString=&IntakeModes=Open. Unless you intend to work abroad, the above will apply for occupational therapy.
If your Access course already contains at least 15 credits in biology and you have adequately high grades in the diploma, you should already be fine for occupational therapy degrees.
You would only need the relevant skills to go into film. If you want to become an independent film maker, you would need the equipment. I have friends who did something similar (some with degrees, others without).
You don't need an accounting or finance degree to work in accounting or finance. You will need the relevant professional qualification for the specific role that you want to apply for, and each role is not really transferrable i.e. a qualification in welath management cannot be used for you to act as a mortgage advisor or as an accountant. If you want a complete list of suitable qualifications for the specific role that you want to apply for, National Careers can be good, but you can also look at FCA's handbook:
https://www.handbook.fca.org.uk/handbook/TC/App/4/1.htmlMost degrees would not be of help in securing a job in accounting or finance. Also, professional qualifications are usually significantly cheaper than doing a degree e,g. you can self fund your accounting studies for about £5000, but you would never need to if you work for an employer who would fund your studies.
Also, despite popular opinion, there are only a handful of quantitative roles in accounting and finance (e.g. quants, actuary). Most of the time, you're focusing on people skills and knowing straightforward maths (adding, subtracting, dividing, multiplying; if you're lucky, you might get a situation where you need to use the occasional logarithm, linear programming, or stats).
Do note that the professional qualifications will follow the NVQ system, and that could mean that it will subject you to the ELQ policies but I would check with Student Finance first.
I cannot deny that having an accounting/bookkeeping qualification will help you with a business, but it's strictly not necessary in order to operate a business. I think with your situation, your most prominent issue is the marketing side of things (you won't need a marketing qualification - degree or professional qualification - just the knowledge). You will need additional business knowledge, but I would argue that you would not need a degree in business in order to know what you're doing (you can gain the knowledge via A Level business, mentorship, CIMA's BA certificate, decent online courses, etc.).
Should you desire to go and study for a marketing qualification, the qualifications can likely follow the NVQ system and you again might be subjected to ELQ policies. The qualification I would recommend to get would be in digital marketing with CIM, IDM, or IPA. However, there are also marketing courses that aren't professional qualifications or degrees, but you should do your due diligence on these.
I don't know what specific content you are trying to create e.g. video, blogs, books, audio, etc. However, I would think your biggest expense would be getting the necessary equipment for your content creation, quickly followed by any freelancers you intend to employ.
Should you decide to switch careers, you're very likely be able to, but you might have some difficulty if you want to go into healthcare later without having the relevant degree as your first degree. i.e. you can go into film, accounting, finance, business with an occupational therapy degree, but you cannot go into occupational therapy without a relevant and approved degree.
If for any random reason you want to do degrees in any subject that's not related to science and healthcare, you should be able to do them with the biology related Access diploma.
No, it's strictly speaking never too late to do anything. For one, universities don't bias what age students apply. The industries that you apply to for work might though (although they legally cannot do that).
If you have any further thoughts on the above, I would be able to add more to my response.
Also, good luck on your situation. I appreciate that it's not easy.