why don't you start from summer session? even as a special
student for 1st semester.
they have enough courses offered during summer session and
if you take a full-time course load, 6 semesters (2 years)
are enough to get a second degree with transfer credits.
well, the money is a big problem, maybe you can talk to
financial aid officer to see if they can offer any help.
The last thing to remind you is that you are not
allowed to take many commerce courses at U of T
if you are not in commerce program, which requires prerequisites and separate on-line application. You can heck out commerce program handbook, availabe at Rotman building, for more detailed information.