I totally agree that older students with work experience of several years, have better study habits and are more focused: you know what you want to get out of the educational program.

I have my undergrad and master's already. So right now I couldn't even think of the cost if I footed the entire tuition.

My reality is paying off a home mortgage before I retire. So no matter what educational aspirations I have now and later, that reality must be worked in too.

Not that I'm complaining: I've learned so much from my jobs and have taken alot for granted at times, until that knowledge gets "tested" /used in another environment/with different employers.