[quote LookingForAChange21]@Mediumred of course 
I'm 34 and have studied to degree level. I fell into a retail job post-uni when I wasn't sure what to do with myself and have been there ever since! As time goes on I feel myself losing more and more confidence, but I know I need to do more for myself, every year I stay in this role is another year I regret.
I've recently started a college course which I've loved! I had wanted to go on to the degree but due to already having one I wouldn't be entitled to the student loans and unfortunately can't afford to do it without.
My other option is to enrol and hope to be accepted on to a Masters course, starting Sept 2022, for which I would be entitled to financial help, but the thought of it terrifies me!
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Personally I'd do the masters. As the job market is competitive and its just going to get worse. I don't know what sector you're in but in my sector (the cultural sector) its very common for people with masters or even PhDs to be in a role which just asks for a degree, or maybe doesn't even ask for a degree. This is my experience as I have a masters.
I absolutely loved studying for my masters. I had a gap of 3 years betweeny degree and MA. So had enough time to know a bit about work and the world and think that adds value. There's also quite a range of ages tend to do post graduate study so you might feel it's a bit easier to develop a peer group. Which is important for successful study. It's not just about making friends.
I also think although a masters is harder than a degree actually it's not that much harder. And with work experience yiu might have a few more options in terms of subject. So for a similar amount of effort you could be educated to postgraduate level. Which is probably going to do more for your career prospects.
My best decision was definitely doing my masters. But also working my absolute arse off and getting a distinction. (not a brag, I do think it gives you an edge to have good grades)
Good luck op