I think the stupid uni fees have scuppered a lot of people's plans. Uni is no longer just something you do as a natuaral progression (unless you come from a privileged background) - I've told both of mine (DD and DS) that it's worth it if they are sure it's something they want to do and they are sure what they want to do and they might not necessarily reach that point while they are young.
So far, DD has dropped out twice due to MH issues and DS has decided he doesn't want to go and is exploring apprenticeship options instead (with little success) - I have two NEETs at home 
I didn't go my route from a position of privilege. I dropped out of school at 16 and worked shit jobs until I had DD at 22. I didn't 'find a man' either (well, I did, but not a reliable one) - I was a LP through uni. I did my first degree part time and then got funding for my masters. I don't earn a fortune but I earn enough and am doing something I absolutely love. I have no hope of helping the DC with deposits for flats - I really don't think that's the norm.
It's harder now with the fees being so high but I'm not sure it makes much difference what age you decide to go. It's far easier to get emergency time off from university than it is from a job.
The back-to-front route has worked very well for dsis too. She had her youngest at 17 (not planned) and is now, aged 47, just completing her PhD. Neither of us will ever be stupidly rich but we're the first generation in our family to go to university and are both leading fulfilled lives doing things we find really interesting.
I think what this thread has shown is that there is no one right path for everyone. Guilt shouldn't come into it. A lot of women do find it difficult to concieve in their late 30s and early 40s and feel very sad about that. That could have been me if I had waited. I think it's a bit insensitive to dismiss that as rubbish.