Anyone else not go to college/drop out and feel really behind in life?

I’m turning 28 this year and feel like such a loser for not finishing my degree in my early 20s. I have just under two years of my psych degree done but never completed it. I have always had to work in order to live since I was 18 and it was so hard going to school full time and working full time, and being able to pay bills had to trump school so I dropped out. I started nannying when I was in my early 20s and made over $30/hour and I just kind of got swept away in the earning potential of it, but now I’m really regretting not finishing school because I don’t have a career at 28. I really dislike nannying and am not passionate about it at all. I feel horribly behind everyone else in my generation. I’m embarrassed any time I say I’m a nanny. Every time I’ve met a guy I dread them asking me what I do because I feel like they judge me for not having a career. I had big dreams of becoming a therapist and I really wish I had tried harder to pursue that when I was younger.

I have a decent social life and great friends, lots of hobbies, live in a city I love, I live alone in a cute apartment, and the big bonus of it is that I don’t have any debt. I want to acknowledge that I’m doing pretty well for the most part. But I can’t seem to shake this shame around not having a degree and a serious career.

I’ve been considering going back to finish my degree and get my masters to become a therapist, but I feel like it’s too late and I’m too old. I also don’t know how to navigate working and school financially, particularly now that my bills are higher, and I dread the idea of student loan debt. But I also dread the idea of being 30+ and still being a nanny. And then there’s all the existential dread around what the future is even going to look like for our generation - it really feels like all of us mid/late 90s babies missed the last chopper out of ‘nam and we’re all fucked.

Has anyone else felt this? If you didn’t finish college, what kind of job do you have now? Has anyone gone back to school for a bachelors in their late 20s? And if so how did you afford it?

I guess I mostly just want to commiserate with fellow college drop outs/people who never went to college!