I started college at 41! There are many reasons how I ended up there then: no money, no transportation, no motivation when I got out of high school. Later I was a military wife: moved around a lot. Then I was a mother: still am, but got over that as a reason. My point is, there will always be hurdles. You have to want it and have the support to do it. I did it all with student loans (responsibly!) and a helpful family. It actually wasn't as hard as I thought it would be but there were others who really struggled. Be realistic and flexible. You might not see every one of your kids' events, but you won't once you're working either. Good luck.