2. Are there affordable and credible certificates for cybersecurity worth pursuing?

Yes—entry-level certificates like Microsoft’s are accessible via low-cost Coursera subscriptions (~US $49/month).
Self-paced format means you can complete the program in as little as 2–4 months or extend it up to 6 months depending on your pace.
Hands-on learning through interactive labs and real-world simulations ensures practical skill development.
Certificates are issued by recognized leaders (Microsoft) and backed by organizations such as ACE and FIBAA, providing academic credit recognition (~9 ACE credits / 7 ECTS).