as far as being stuck geographically, there are work arounds to that. I am familiar with Southern and Southwestern, and I'm pretty sure most seminaries are the same. You can take up to 1/3 of your degree online. The only deal with online classes is you have to be disciplined to do your work. It's a little tougher when you don't physically go to class. You also miss the personal aspect of getting to know your classmates. I took 30 hours online and it did the job.
Southern offers what they called J-terms. Essentially, you can take a class in January, June or July. They are week long courses that you go to every day all day. It's absolutely nuts. You eat, sleep, and breathe the content for a week. In the end, you earn your course credit. You can do that as well.
Being geographically locked doesn't mean you can't do seminary. One semester, I flew from Austin to Houston every Monday to attend some classes at the Southwestern I needed.