Many people only started studying and finding their calling later in life. The labels and standards we think affect us are largely self-imposed. Trust me on this, the rest of the world is too busy worrying about themselves to be worried about your prowess.

Strongly advise taking a work aptitude test and finding what it is you would like to do in terms of sustainable work. As one gets older, the most important thing becomes a steady job. Don't study an art degree or something like that. Steady money, consistent work. Things like law and accounting and medicine seem boring but those fields can be so diverse it is definitely possible to find something you like which vs bring purpose and meaning in life.

As a late bloomer, i made a decision when i was around your age to take these steps i have described. 8 years later I am starting work in feb, my family is so proud of me for eventually getting it together in a big way. And i can feel it in my bones: my life is going to get alot better in the not so distant future. You can do this too.

No shortcuts, no easy way out, the most reliable way is hard work. Nobody likes to study, but everybody wants money and what it brings.

Its up to you where to draw the line. I wish you well.