Oh, absolutely not too late! Especially if you're just in a trial period. It is tough to just jump back into school. I would say, do the trial period and use it to acclimate you back into schooling. You can go back and add schools to your FAFSA now and resubmit it. Then at the end of the trial just say it's not for you.
The thing to remember about admissions folks is that they are actually salesmen. With for-profit schools, there are quotas and they need to be enrolling a certain number of people per month in order to keep their jobs. I turned down a position working in admissions at The Art Institutes for that reason.
I don't know of any community colleges in Florida, but this site lists all of them. I would click through and see if any of them have online programs in what you're interested in. If you see anything that remotely matches, give them a call on Monday and talk about your options. If it's purely online, it shouldn't matter what part of the state it is in. You could also consider other states, but the tuition will be higher (it might be on par with what you would've paid for Kaplan though).
http://www.stateofflorida.com/community-colleges.aspx
If you don't find anything in Florida that works for you, post here and tell me exactly what you're looking to do and I'll see what options I can find in other states that are completely online.
As far as moving up to additional degrees, I would take things one step at a time. As I completed my BA, I completely changed the route I wanted to go down several times and actually ended up applying to 3 completely different Master's programs at the conclusion. I'm probably going to go back to school this year and do another BS. So while you may want a Master's, you may find that you can find a job with a BA that has enough upward mobility potential without a graduate degree that you don't have to worry about going straight into it.
The good thing about admissions at community colleges is that it's basically guaranteed. I need to take a math course to be admitted into the BS program I want, and all I had to do was basically tell my local community college my address, SSN, and send them my unofficial transcripts from school. Because I already have degrees, I don't even have to take placement tests. So I wouldn't stress too much about completing another admissions process (or multiple ones).