I'm, er, significantly older than you, Laibey, and have just started a 3-year degree in Audiology. I did sit down and do a cost / benefit of it financially, i.e. 3 years' lost income, full course fees (and no student loan as I have already done a degree), and the increased salary the qualification will give me x years to retirement. It just about added up! But it is something that I really want to do, and I am financially able to support myself whilst at uni, so for me it is the right thing to do.