<human>: Can you succinctly summarize the text in 1-3 sentences?

I have about a year to decide if I wanna go back to school, I attempted it after I got out of highschool ( I'm 21 going on 22 in April ) but didn't do so well as I was really focused on other things, and it just seemed like "more school" at the time and I regret not finishing it.

Now I am in a position, where I'm happy with my life, I make just over $30k a year before taxes, but reddit has sparked an interest I didn't know I had in physics and it is something I have been wanting to pursue.

Does anyone have any advice on going back to school?  I feel like I'm going to go into a good bit of debt since I don't believe I'll qualify for any scholarships being out of school for so long and I'm not sure if it will be worth it in the long run.
<bot>: Is it worth going into a good bit of debt to major in condensed matter physics?  And does anyone have advice on ways to possibly reduce the cost?