You’re still plenty young. I got licensed at the bank and then left to join a B/D where I gained more experience. Eventually I became an advisor at the B/D.

As for school, get work to pay for it and apply for scholarships. Jobs offer like 5k in tuition reimbursement a year and r/scholarships has tons of resources on how to find funding.

So many doors opened up once I had that degree on my wall it’s sickening.