Well, the contractor route (you are the IC) means you pay for mistakes (your credit line), you figure out market prices, etc. You either setup shop or run around town.
The temp route is interesting simply because they may provide the training to someone who is employable. Many big temp agencies "certify" their employees on the back end. You are really certified and tested, you just don't have the certification outside of that company (otherwise people would quit soon after). Think top ten agencies. More than one provide free self-paced CBT to employable people.
If you have a dependable transportation, can be somewhere when and where you are supposed to be there, and are professional in your appearance, you may not have to pay for anything.
If you don't take baths, can't dress, and your car is lucky to make it out the driveway, well, dream on, in America, ANYTHING can happen!
I would recommend that you at least have dependable transportation, a cell phone, and a good map of your area so you can find your assignments the day before. I would talk to a recruiter at a temp agency and ask them what they need, then train for that skill.
Many temp agencies are busy places, and they deal with hundreds of people. Be prepared to deal with apathy on a large scale without taking it personal. Working around educated people can also be a stress free experience at times -- you just never know.
Also temp means temp. It could be a six month assignment, or it could be 4 assignments over a 6 month period. Keeping names and phone numbers for your resume is critical. Paying for tests is still cheaper than college semester tuition and books, save a little out of each paycheck, say $25, in four years you could possibly get a lot done.
I would ask for $15 an hour at least. The dollar is only worth 1/2 what it was a few months ago.