Sometimes there's no point where a 4 year degree is no longer a requirement.
Sometimes it depends on the position, the industry or the company. Some companies have a Company Policy that you must have a 4 year degree. There may be no getting around it.
I have noticed in the last year or so more job descriptions saying "Bachelor's degree or equivalent experience required."
Here are some recent articles:
A 4-Year Degree Isn’t Quite the Job Requirement It Used to Be
https://www.nytimes.com/2022/04/08/business/hiring-without-college-degree.html
Major Companies That Don't Require a College Degree
https://blog.cheapism.com/companies-that-dont-require-a-degree/
20 Examples of Employers Dropping College Degree Requirements [and Why]
https://blog.ongig.com/job-descriptions/no-degree-requirements/
You don't necessarily have to go deep in debt to get a Bachelor's degree. You already have some college - those credits may be transferable. You can probably do basic, required courses at a local community college which should be affordable and then transfer. Just stay away from "for profit" institutions because well, they're in it to make money.
You can apply anyway to positions requiring a degree - they might see your background and want to speak with you based on your experience. What can they say? No? If you don't apply, it's already a no.
I wouldn't let getting rejected for a position you haven't even interviewed for get to you. Not being chosen as a candidate isn't personal.
A job search these days in a marathon, not a sprint and it's a numbers game - all you need is just that one right company to say yes.
Please let me know if you have any questions. GOOD LUCK!
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