Can I do experiments on humans without a degree?
It is possible to get IRB reviews without an academic affiliation.  Commercial IRBs (companies that, for a fee, review trials for third parties) exist; that's one way that industry manages to perform clinical trials.  


  Commercial IRBs have multiplied in recent decades, reviewing and passing proposals for profit. Their creation was spurred partly by an explosion of industry-sponsored clinical trials, but they are increasingly passed business from academic centres, to relieve overstretched in-house ethics committees. There are now dozens of these companies and they will see potential business in the proposed shift to single-IRB oversight of multi-site trials.


--Who watches the watchmen? Nature, 2011

Some of these IRBs are listed at the Consortium of Independent Review Boards (CIRB).

The absence of a graduate degree and of academic affiliation don't prevent you from publishing either, although they may present some complications during the process.  There are other questions in Academia SE that discuss this:


Does one need to be affiliated with a university to publish papers?
How do I go about publishing a paper without a university affiliation?