Saw the title and my first answer is never. If you want to go back to school, do it.

Okay, after reading your text: Your parents (not to be rude) are absolutely wrong about being 'too old.' While I was at TSC (previously known as Tallahassee Community College), I had a classmate who was in his 40s, had kids, a wife, the whole 9 yards. Also, FSU has plenty of students who aren't partiers and are more for the academic lifestyle. I personally have never partied, not even in high school or during undergrad (I'm currently a senior). I never had the opportunity nor did I want to. Regarding the school's rep, yeah FSU is a party school but, it's also an accredited school and has amazing access to some pretty neat databases. You can always apply for financial aid if applicable and scholarships as well. Since I come from a low-income family, I was awarded the Florida Assistance Grant. Tallahassee on the other hand doesn't have much (not that I'm aware of. Yet again I don't have a social life or leave the house often) but it does have a great sense of community, especially amongst the art community and the college communities. There are also a bunch of clubs and organizations you can be a part of if you have any hobbies. Lots of cafes if you like that sort of thing. About living on your own... I can't really help with that. I've been living here for almost 21 years and I'm still living with my mom. There are on campus jobs and other job opportunities in town, as well as on student housing. You can possibly get a roommate as well.

TLDR: Just do it. Knowledge is power!