As Queen says, "Life is too short to be unhappy". I went back to school the first time at 22 for x-ray and the second time at 28 for engineering. I stopped going to school at 40 (just shy of finishing the PhD). Some days I think about it again, but in a totally different area.

When I started the second time my husband told me I wasting time and money and that I'd never recoup the loss. I looked at it differently. To repeat, "Life is too short to be unhappy". I went back anyway and the divorce followed shortly. Absolutely no regrets.

I once read a story about a woman who changed careers every 10 years. She was 50 and in school again. She budgeted for 2-4 years of school and 6 years of work before she stopped and started again. OK, that might be a bit excessive, but you gotta like her spunk.

But seriously, if you think you can afford it and you really want it, don't let the 10% scare you--give it a chance. If you don't try, you can't fail, but how bad will be the regret?