Just forget about giving answers to other people. Just do what is right for you. It's never late to start a good thing. I have many stories where my friends started career late and they are happy and successful. Specially, after entering US, you have to sacrifice some years to make things favorable to you. One of my friend's uncle started BS in mechnical engineering when he was 39 years old now he is working at a transportaion sector in mid-west. Another friend started BS in electrical engineering when he was 31. Now he is in Alaska working at a pipe-line company. One more story : My friend's brother started to play guitar when he was 35 and got attracted towards classical guitar. He took classical guitara class four years. He is really good and he has started guitar class for kids. It's never too late.