I'm not great by any means, but I did my research on schools before deciding to do it as a hobby while going to an actual accredited college. Majority of them seemed cash-grabby to me, as well.
said, by learning on your own, your chances of actually working on things, networking, etc won't be that great. But at the very least I can do this as a hobby, or maybe get paid by some idiot to make a quick model. I hope to be able to work at a reputable place in the future, but I'm not banking on it.
Life is weird and confusing as hell. Regardless of what you choose to do, make sure you have back up plans upon back up plans.