That seems like an insane waste of resources, quite frankly. Online degree programs usually have very low graduation rates. If you were able to complete a college degree in 5 years, it would seem like you should be capable of working even a part time online job making substantially more than what you would receive from SSI. Have you looked for a job on your own or considered some type of small business? You will often get first priority with government jobs due to being disabled (you'd have to research your local policies if such priorities would apply.)

SS does factor your level of education into their decision, so by completing a degree you just made it more difficult to qualify. If you had a few failed job attempts prior to applying, I believe your application would be more credible.

An OTR decision just means you're asking for a decision to be made now, prior to an ALJ hearing. If there is enough evidence than you might be able to avoid to a hearing. Contacting your local Congressperson might be able to speed up the process, but only if you're facing eviction or foreclosure generally--unless there has been lengthy delays in your case which it doesn't sound like.