@OP - Glad to see that you are still pushing ahead. I know from experience how difficult it can get when you can't see light at the end of the tunnel, but hear the ominous rumble of a train headed your way..
Here is my "rant" on all this: One thing I always say is that your life is the sum of your choices. Sure, bad stuff (and good) happen to people despite their efforts to prevent it, but in the end, it is ALWAYS your choices that led you there. Can't afford kids? Don't have sex. Simple as that. Saying "it was an accident" is like saying your DUI was an accident, that you had to get home and ONLY had a couple beers, and you do it all the time and were driving perfectly and if it wasn't for the random checkpoint you would never have gotten it.. NO, if you hadn't drank and drove you wouldn't have gotten it. You make a choice, you live with the consequences. And ignorance is never a good excuse.
One of the biggest problems today with the younger generation is that they tend to have a sense of entitlement and some idea that everything that happens to them is someone else's fault (or nobody's). Adopting an attitude that you make your own destiny, that you make your own luck is what will bring you success later in life. And nobody owes you anything. Period. The sooner anyone accepts that, the sooner they can start being happy with what they EARN in their life and not be sitting around wishing they had more.
/rant
Other comments about education: A friend told me in a heated discussion over some beers the other night that college education doesn't make any difference in anything. I understand where he is coming from, especially in the past few years where well educated (but inexperienced) kids were finding that their $50k in student loans didn't guarantee them a job, even in fields that weren't in the Liberal Arts areas. But that doesn't mean that a college education is worthless. You may not learn all the things you need to know to do a job, or even any of them, but college gives you the background necessary to excel in a particular field. All knowledge is built on previous knowledge, and college gives you a foundation on which to start. Sure, some people can teach themselves or learn from doing, but they are building their foundation from scratch, and if it isn't strong enough they will find one day that all their experience is for naught because they built it on a weak foundation, and they will constantly be going back to the beginning to learn new things.
And if you are going to go to college for anything, take a business minor. Doesn't matter what field you want to get into, if you understand business you will be able to apply it to the real world in a better and more successful way.
My advice to the OP (and anyone else who is younger): First off, you have to "pay the piper".. Everyone has to put in their time. Nobody gets to skip ahead of the line, and this goes for jobs, financial success, material items, and even family. The older you get, the more you will have. When you are young you will want it desperately, and when you are old and have it, you will be lucky if you still have the energy and health to really enjoy it. It is just how life is. As much as you want to skip past the "working hard for it" part to get to the "relax and enjoy it" part, it takes years, decades in fact, and even with hard work, you still might not ever get there. So quit worrying about it and just enjoy each day the best you can. Don't sweat the fact that you have to work hard for pennies, or that you can't build that arcade because you have young kids who need clothes and food, or that you work and work and work and still couldn't go more than a week without your job before you have to stop eating. Eventually you WILL get ahead if you keep at it and practice what you have learned in life, even if you never start making 6 figures.
Make a plan and stick to it, but plan for tomorrow, next week, next month, next year, and 15 years from now. They are all relevant to today and all dependent on your action right now. Anything you want in the future will not be as good, as well developed, or less difficult to get than if you start working toward it today. And if you ever find yourself sitting around feeling bad about your life because you owe too much or can't pay for that cool arcade cab you want to build, then you probably have time to go out and find some more work. Believe me, there will come a day when you have an opportunity to take on more work and make a little more money but you can say "I don't really need to trade more of my time for money, I am OK with what I have now."