I paid for my initial degree (starting at the age of 24) with bank loans. My second, (at 35) I agreed a payment plan with the university. I have other qualifications which employers have paid for me. And this current one, (age 41) my employers offered me as part of an employment/retraining package, which I really couldn't refuse.
I will pay for the next one myself, probably through payment plans and saving between now and then. I am planning ahead for that now.
@CurlyhairedAssassin I am sorry that you have had this experience. I am a primary school teacher, so I know exactly what you are talking about. I am a couple of years younger than you and currently retraining to a different pedagogy and it is so much harder than studying in my 20's and 30's! (For example, I was up at 4am this morning, to get on top of admin things before the kids woke up). It just wouldn't be possible if my DH was working the hours yours is, as it really does require teamwork. I was denied the chance of education as a teen (I was in care and left, with good grades at 16 but that was the end of school for me) and so as soon as I could, I started with night classes. I never really stopped, because I really wanted to educate myself. I chose the wrong degree and my grades reflected that. I continued so I had finished, but never felt proud of it. So I started again, and this time did what I wanted to study. DH also wanted to do a degree, and so pre kids, we did it together, around our jobs Now that we have a (big) family and the kids are our focus (plus we live in a different country to our family, so no outside support), we take turns to study, and give the studying person the Sunday to work the whole day.
We have always used the how to eat an elephant approach. Slowly, one mouthful at a time.
DH is 46 and contemplating his next move.
I am sure that you will guide your kids through their choice and encourage them to follow what their heart tells them too!
(I always wonder about art studies. If I had been eligible for funding, I would have love to study that. DD is a great artist and I secretly hope she follows this!)