Pretty much that.
I’ve been trying to get a degree since I was in my early twenties. Too many things happened and I never got around to do it.
I have close to zero probability to ever work in my field of choice, which is Social Sciences, with a minor in Psychology, given my age.
Theoretically, I could try to become a high school teacher, as there is a great demand for teachers in my country and it will only grow in the next years to come, but entering public teaching is extremely hard and was made even harder after schools were handed direct hiring; nepotism grew ten fold.
I would like to be the first in my family to get a degree, if nothing else to say that I did it.
There is no need of going into debt for it, as I can enroll in a college where I can enroll only in one or two classes per semester and only pay for those; tuition would be around €98 per class.
But I know myself. I like to work alone. I have no patience to deal with group tasks. Never could. I don’t mingle, I don’t socialize. And I really have something against stuck up people, be them be teachers or fellow students. I’d get in trouble really fast.
I guess that is it. What do you say?
Until you’re on the verge of dying it’s never too late.
People go (back) to university later, either to get an extra degree/qualification to advance their career or to finally find the job/qualification they want. Depending on your location, and CV you may not have to do some course, and be allowed to retake a year/test as often as you want (Because university understand that a 40 something adult, sometimes with kids, can only follow 1-2 class per semester).
At lest it’s work giving a couple of call to your university, they most likely have a person dedicated to adult student which can guide you through the process. Note also that depending on your country/status you may be eligible to some government help (usually through unemployment agencies)