I went to law school at 41 years old. I started part-time for the first year working full-time, then went full-time for a year and a half and finished early. It was not easy. I paid for what I could, but the loans really added up. I love what I do now, but I am facing an uphill battle for several years in both paying it off and getting back to what I was earning before (plus some, hopefully). The timing of becoming a new attorney right now was not great, but, again, I really love what I do now. So, I know that if I keep at it the money will come.
Weigh both the hard cost of an education with the utility of that education with regard to future income, opportunity and overall happiness. There is an intangible element, as well, in the pride you feel having done something in your 40's that kills 20 year olds.