I am having kind of the same problem. I am 24, I did A Levels but was tired of college (kinda thought it was a bit ********), so after that I just worked and have worked ever since then, in crappy jobs. So, I have been out of education for 6 years, and it seems a little daunting to go back now. Part of me wants to study, because I am tired of the kind of jobs I have been working (factory, supermarket, cleaning), and I think I can do better for myself.
I know I am not completely stupid, but part of me thinks maybe I am not quite smart enough for university. I enjoy learning, I am learning Spanish right now, I learnt to play guitar ten years ago, I enjoy learning about history, politics, travel, and whatever takes my fancy on the internet. I want to improve myself, and of course you can learn anything you want to, without going to university, although for many of jobs you need the piece of paper that says you studied at university for 3+ years, did exams, coursework etc.
If I decide to study, it won't be for another year or so, until I am sure what I want to do, if at all. I have travelled quite a lot the last 3 years, but I can't (and don't want to) do that forever. I was also thinking about "university as the answer to all my problems", some of my friends I met travelling encourage me to study, but ultimately it's my choice.
The whole "education" thing seems like a huge business to get people in debt, and I hate that and would prefer not to be a part of that. There is a lot more people go to university now than 20 / 30 / 40 years ago, when only the really smart people went. And now everyone is jumping on the bandwagon getting into debt, because it's the thing to do. So now I am wondering, is going to university the smart thing (for me)? I really don't know