I get what you mean about feeling left behind, my friend has finished uni like last week and I've only just started thinking about applying. I also wonder if I'm even going to be able to commit to it, and actually like it. It's a tough decision, especially when like you say, you could spend the money and not end up liking the course.
It's a really tough decision. I'm all for encouraging anyone and everyone to get into education if they think they want to. I believe it's never too late to learn something new. I think you should take time to think about this. I hope some people can give you better advice, more specific to your situation because I think all the advice one can get is really valuable.
I just wanted to let you know that you aren't alone, and you seem to have an idea of the career you want so that's really good! Good luck! Oh also going to any open day and contacting the college/uni that the access course for as much information as you can get, it could be really helpful in making the decision.