xchairity - It sounds like you do have some good ideas for a business and have even given plenty of thought to opening your own business. You may be able to get a loan thru the Small Business Admin. The hardest part would be getting together a professional Business Plan that you must have to get a business loan. Maybe you know someone who could help you with that. You should start with getting a one-page business plan down on paper. This is for your benifit. It will help you to realize what you would need to open a business even if it is small to begin with. You have already identified a need in your area - that's a great start! I'm going to paste in some websites that I have been on lately that have been a great help to me. They can take hours and hours to research but it may be worth it for you. I think you have potential and you should at least research it! Good luck!
http://www.marketingpower.com/_layouts/Dictionary.aspx
http://www.sba.gov/
http://www.score.org/
http://www.bplans.com/sample_business_plans/index.cfm
http://www.businessplans.org/topic21.html
http://humanresources.about.com/cs/strategicplanning1/a/strategicplan_2.htm
https://api.ed2go.com/CourseBuilder/2.0/images/resources/prod/biz-0/Sample_Business_Plan.pdf
The last one is a sample of a one-page business plan.
http://www.marketingpower.com/_layouts/Dictionary.aspx
http://www.sba.gov/
http://www.score.org/
http://www.bplans.com/sample_business_plans/index.cfm
http://www.businessplans.org/topic21.html
http://humanresources.about.com/cs/strategicplanning1/a/strategicplan_2.htm
https://api.ed2go.com/CourseBuilder/2.0/images/resources/prod/biz-0/Sample_Business_Plan.pdf
The last one is a sample of a one-page business plan.