I don't think that qualifications are necessarily the be-all and end-all of one's employment prospects, but - no offence intended, OP - someone who's stuck in a miserable job at a carpet factory isn't exactly going to waltz into any other better jobs, nor are they likely to work their way up in the business. The OP has three options that are more likely to lead to a more fulfilling job: (1) look for something else he can get into despite poor qualifications (e.g Police), (2) starting his own business, or (3) improving his qualifications. (Sorry, OP, if you're female; assumed you're male!)
OP: If option 1 or 2 appeals, go for it. But I think option 3 has a lot to offer, assuming you're motivated to put the work in. It gives you the opportunity to discover and develop your interests over a few years, rather than having to immediately commit to a specific career. Imo, it's better to think about what you want to do and find a path to help you get into it, rather than limit yourself to the options that might be available with your current qualifications. Apart from the mortgage (which has been discussed previously), there's not really anything holding you back, so why not go for it if it's what you want to do?