Actually, even a lot of the kindergarden positions usually require at least a bachelor's degree, although from what I understand, these kinds of things can be negotiated.
Some of the schools are legit, others are not. Honestly, it's hard to say whether one is or isn't legit. You're better off finding someone that's actually worked at one of these places and asking them what's up.
When I was looking at teaching, all the places I interviewed at required a bachelor's degree, so I can't really give you any useful information about actually working at one of these places that doesn't require one.
What is your motivation in coming to China right now? I mean, wouldn't it be easier to find a job in the States while you're finishing your degree? It just seems like it'd be much more prudent to slug it out for a couple more years until you have your bachelor's,
at which time you would have no problem finding a legitimate teaching job in China...if you still wanted to come here at that time.
Also, about financing your education with the earnings from your job here - I don't know what schools you've talked to, but unless you really scrimp and save and generally live like a hobo, I think you're gonna have a rough time paying tuition on a kindergarden
teacher's salary. Something to think about.