Considering going back to school

I'm having a bit of a reckoning where I'm working a call center job, and when I like it, it's okay, and when I don't, it's a drag, but just recently my wrists have started to seriously act up and impact my work and life some, and my work insurance won't cover treatment. On a related note, Mom is willing to love and support bribe me back into going to school since I can go back on her insurance as long as I'm taking classes full time. Normally, I would respectfully decline because I'm prideful and petty, left school on academic probation 4 years ago after blowing off classes and am still nursing an underlying fear of failure and psychological hang-ups due to previous academic overextension. But I do have savings to fall back on, I am at a point where I can reasonably pivot, Mom will likely never let this one die, and my job causes me pain. So, what do?