I totally agree! Do both!
Since I have no rights here in the US it's scandalously expensive for me to take any school, so I'll have to wait until I have a SSN.
I hear ya on the clock is ticking thing @_@
I'm closer to 30 than to 20 now and it's been bothering me for years that I haven't done much with my life (professionally) yet. I've found the person I'm gonna spend the rest of my life with, so that's half the battle!!
Hang in there! You'll figure it out!