I am 44 and I still don't have my bachelor's. However, I do have an Associate of Arts in Humanities, a Certificate in GIS (equivalent of graduate level work) and another certificate my employer paid for me to get. So shorter educational programs have worked better for me and it doesn't bother me so much that I am a few classes short of my bachelor's and have been for years.
I had two years of college at age 18-19 without getting an associate's. I got my associate's in my 30's to lock in those old credits and make it easier for me to go back to school "someday", which turned out to be that fall (got my associate's in May of that year).
I also found that the following options worked better for me than a regular schedule: taking classes online; taking "video" courses that meet half as much and supplement with tapes; and taking classes that meet 1 night a week for 3 hours instead of 3 days a week for 1 hour.
Good luck with this.