For what it's worth, here's my story:
I finished with a degree in English Lit about 15 years ago. I went off to law school, hated it, and dropped out two weeks into the first semester.
After that I didn't know what to do (but was relieved that I dodged a $100,000 bullet). I had an interest in high performance sports cars so I took a chance and went back to undergrad at the age of 25 to pursue a second degree in engineering. That English degree wasn't going to do anything for me and I reasoned that being an engineer with an extra $50,000 in debt was much better than being a lawyer with $100,000 in debt.
I would have been able to finish my 2nd degree in 3 years since I had all of the prereqs out of the way (I started as a Freshman/Sophomore and my second year I was a Junior).
What ended up happening, though, was that one of my professors encouraged me to apply to the graduate program - I was a shoo-in because she agreed to be my research advisor. I started grad school at the ripe old age of 27.
Five years later, at the age of 32, I graduated with a Ph.D. in engineering. I make great money and have good job security. I've never been without a job after 8 years working.
I did have some advantages. I'm married, so my wife was able to buy me food and rent while I went to school (and worked part time in a research lab for minimum wage.). I also lived in an area where I was able to rent for $500/mo. I also managed to get a stipend in grad school that paid me $22,000/year. The rent thing was a deliberate choice, but the marriage thing was just luck (and charm too, I like to think).
It wasn't easy, and I definitely don't have as much saved up as my peers who didn't spend an extra 7 years in school. There were lots and lots of Ramen meals throughout my late 20s. I also deferred my first undergrad loans for nearly 8 years, so I took a hit there. On the other hand, I now make well over $100k a year and I love my job, so I have no regrets.
This may not be an option for you, but if it is, I think you should consider it. Going back to undergrad at 25 was one of the best decisions I've ever made.