... community college gives an associate degree. Are you currently working on an associate degree or a bachelor degree?

Either way, going for filmmaking will be a second degree.

You said you're finishing up your bachelor's degree right now, and are considering pursuing a filmmaking degree. That would make the filmmaking degree your second degree, unless you plan to abandon the one you're currently working on entirely.

There's no guarantee that your college debt will be poofed away by the government until it actually happens, so until that point you need to think about it in the context of having that debt.

You need to decide what's more important to you, making sure you have a place to live, or getting a second degree.

You could always get a job and make sure you have a place to live and then take filmmaking classes parttime.