Time off full time work is what most people dream of, after a few years of the 9-5 drudge. Make the most of it! I managed to drag uni out for nearly seven years and it was paradise compared to the preceding 20+ of soul-corroding day jobs.
If you add my student debt (£20k, which is pretty small beer by today's standards) to my lost earnings (£45k a year) that's well over a quarter of a million quid that my degree, Masters and unfinished PhD have cost me. I'm poor as a particularly broke church mouse. And every time I met up with the people who still work at my old employer, they're jealous of me and I'm bloody grateful to have escaped.
I used to hate my life and job, which gave me a chronic illness. Now I love my life - never been happier. Was my degree "worth it"? To me, yes. Every single penny. But it's very much an individual thing.