I'm a 49 year old college sophomore

You'll love it!! Because I work, I do take on-line classes for some things. Others, you just have to be there. It all depends on your learning/study style.
So, school starts for me again on 8/27. This semester, it's government, accounting II and art appreciation.
It's never too late. Don't overload yourself and enjoy. It's amazing how many people in my classes are my age, so I don't feel out of place at all.
First, go on line and fill out the FAFSA (go directly to their website, don't pay anyone to do it for you) and check with the financial aid department at your school. I got a $400.00 grant this semester from some weird place, along with my Pell Grant. There's all kinds of money out there to be had, you just have to look and ask a lot of questions.
You'll feel so good about yourself and, if you have kids, it will set a great example for them.
GOOD LUCK