I'm 50 and studying law. I couldn't have done it when I was 27. I had one child, another on the way and a mortgage to pay. I had to put food on the table. Circumstances are different now. I'm financially secure,my family are grown, I have the time, and still the inclination, to study. So my circumstances, to a large extent, dictated when I went to university. Even though I couldn't do it at 27, I'm doing it now at 50. So I think you're personal circumstances need to play a major part in your decision. At the end of the day, though, remember that most people only get a chance to have something like this, a university education, once in their lives. So I'd say, if you can afford it, do it now, you may - but may not - get another chance at it later.