Where do I start??

I'm 23, have not worked in almost 4 years, cannot go back to school due to defaulted student loans, and I have a 2 1/2 year old. 

I know that I can do some of the jobs posted on the site, like the transcription, editing, writing, and appointment setting, I just don't have any real life work experience. The only work experience I do have is being a cashier. I feel that my age is a bit of a set back as far as the types of experience that I have been able to acquire. 
We aren't strapped for cash (yet) but I would like to get a leg up on that if I can, and also gain some "financial freedom," away from hubby's pockets. 
I just don't know how to start, what to do, or where to look. So if anyone can offer just a smidgen of advice, it would be more appreciated than you could ever imagine!

Thanks so much