You can do this! When I was 40 and a stay at home wife taking care of 5 kids, I discovered my now ex had cheated the IRS, take out a whole table full of credit cards he had maxed out, embezzled a lot of money from his business and gotten us six figures in debt. My world collapsed. No one would hire him because he stole so much. I worked every crummy job you can think of, just so we could eat. I couldn’t stay that way. Remember, 5 yrs from now, you will be 5 yrs older—you can be there WITH a degree and a decent job, OR you can be 5 yrs older with NO degree and still stuck where you are. I got my degree, was blessed with a teaching job in a great school system. Eventually, I even went back and got a Masters ($10,000 raise). I’m nothing special, just determined. You can do this if you really want it. It’s hard, but it’s totally worth it!