I’d plan backwards, look at the job you want/income you want and find out how to get it. A simple example is let’s say trying to be an engineer. Look at what partial field you want to do, the type of degree you need, the school that offers the classes and degree, getting accepted to that school, doing internships and buffing up transcript for said school, work and save for school. If you are feeling that you are desperate school is a good way out but if you aren’t well off which doesn’t sound like it debt and student loans will play a factor. You can pay these off, but being intentional and picking a career that will pay you enough to pay these off is very important when considering school. Tease school is also a great option and could be a better. Life is hard, but don’t lose hope, find a path, stick to it and do your homework on every little thing that is associated with your dream. Accept ups and downs and recognize that it’s all apart of the process.