don’t give me the it’s never too late bs. Life happens, people have jobs, debts and rent to pay.
Going back to school when you’re employed means debt, earning way less or nothing during your bachelor or master, stress, opportunities you’re not aware of because you’re simply not at your workplace anymore, unpaid overtime during those 2 to 3 years… the money you lose is more than what the bachelor / accreditation costs.
When does it start being a stupid idea? Is it when you’re 30? 40? 50?
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Prefix: My answer is geared towards America and assumes you can start gathering Social Security at 62 and has not been accurately researched for viability.
Take on loans if needed and become a student.
Use student health insurance.
Graduate in 4 years - if you can nab a paying job you enjoy then go for it. Otherwise start collecting SS and whatever other benefits you can muster.
If you can’t pay back loans - what are they going to do about it?
Hopefully by not going into debt with school earlier you were able to stash some more into retirement vessels earlier and maybe that’ll help.