well, i have concerns for you as i read your post....but, age is NOT one of them, since i myself am 36 and a senior nursing student.
1st- the r.n. degree would take longer than two years nowadays, since most schools have waiting lists and all have required pre-reqs. when i'm done in may 07' i will have been in school 3 1/2 yrs. for a two yr. degree.
2nd- it would be tough to do w/ out support, but not impossible! if you REALLY want it, you could do it!
3rd- if you don't like it, will you be stuck w/ the loans?...YES, unfortunately you will be stuck w/ the loans, but hopefully you would find SOME area of nursing you would like....at least to pay them off!
all in all, is it hard?....YEP, i won't lie and say it's not, cuz it sure is, but it's what i wanted to do after staying home doing the mom thing for 11 years, so here i am busting my butt.
do i love it at the moment?.... NO, but i'm still a "bootcamp" nursing student (as i call it)
will i ever LOVE it? ....maybe, hopefully.....i like e.r., so if i get hired on in an e.r. i think i'd be happy!
good luck to you in whatever you decide!