Went to straight clearning, undecided?

I applied to uni in high school but didn't meet my conditions to get in. This course i applied for is no longer the course i want to do so i guess it worked in my favour. I then had a gap year, working in a shop and then did an apprenticeship in Nursery Nursing and am now a newly qualified Nursery Nurse. I thought my uni days were dead and gone and that I wouldn't be going to uni at all but a few months back (due to experiences during my apprenticeship) I am considering Social Work and now am recently considering Speech and Language Therapy as well.

The problem I have is I am very undecided on 2 things- what course i want to do and whether I even want to go back to study.

I applied in July and so went straight to clearing. I am now trying to decide what uni and what course whilst also deciding whether I want to spend the next 4 years as a student and graduating at 24 (I am 20 now). I am also going away for 2 weeks in October (booked before i considered uni again) so I'm not sure how this will affect me if i get in this year.

I didn't do well at school. I lacked concentration and didn't really study- hence why i didn't meet my conditions. I'm unsure whether uni will be any different - i'm not convinced it will be. I've been out of study for 2 years and although i did an apprenticeship not a lot of study was involved as most of my work was practical and I learned on the job so getting back into it, i can imagine will be incredibly difficult.

The main reason i want to do these degrees is money. Don't get me wrong, I have a good interest in the degrees that I am considering and would love career but ultimately, the qualification I have now and the jobs that come with it are not ideal and are not good money-wise so i want to keep working with children but for a better wage and something a bit more exciting- my plan is to get the degree then specialise.

I am very unsure what to do. My parents are supporting me however are concerned about job prospects when i graduate. A friend of ours did the Social Work degree and was unable to find a job afterwards and so is working in a completely different field.

My main concerns are:
- going back into study after 2 years will be incredibly difficult
- being a student for 4 years, not graduating until 24, the risk of no jobs at the end of it while i could have been working full time and earning (not much, but probably more than if i was a student)
- not liking uni life (because i've never been good at study) and dropping out, therefore wasting yet another year+ of my life and disappointing others

I'm really not sure what to do and I don't have a lot of time to decide! Help!