I'm just starting my path to becoming a midwife as well. Here are a couple of things you might want to think about. Do you want to practice a medical model of birth or a traditional midwifery model? Where would you like to practice - in a hospital, birth center, or homes? What are the laws in your state, and do they make it easy or difficult for a CM to get clients? Is the investment in a CNM program (both financial and emotional) a better one for you than and investment in a CM program?
I originally wanted to go the CNM route, (after 3 hospital births with a CNM that I love) but changed my mind after attending hospital births as a doula. I love my experiences attending all of my clients, but I decided that I would prefer to practice primarily in a home or birth center setting. (It's hard to practice in a setting where you might find yourself at odds with hospital policy etc.) What it boiled down to for me is that I don't want my initial training to be in nursing. I want my training to be based in traditional midwifery that does not consider pregnancy a pathology, but a normal life event.
There are some online programs available for the CM route (and I think the CNM route too.) I'm looking at Midwives College of Utah because I can complete a BS through them and they have a MS program as well. If a degree isn't important to you and you decide on being CM, you can always go the PEP route in which you work in an apprenticeship model demonstrating skills and knowledge specific to NARM and then sit your NARM certification exams.
ps- 26 is not old. I didn't even know that I wanted to do this at age 26. I'm planning on gaining my certification and licensure (my state offers one for CMs) when I turn 40.