There's like a 60-something year old at my
associates program so you're good. They're only lost if you didn't learn anything, and not everything you learn is from a book. I'm sure there's some 20 year old out there finishing his/her Bachelor's, but a fuck about it is given only if you make it so. Worry about your own shit (not worry as in panic lol, but worry as in don't stress out so much about the lost years).
Prioritize. Keep up the good schoolwork, hopefully you're in something that will lead to even higher paying job. I'm $20K in debt right now for school but I know down the line I'm going to find something from my studies to pay it off. And even if I don't, I'll work at McDonalds to pay it off, save up, and go to school again.
Plus there's girls/guys at school! So enjoy your college time, eh?