My mid-life existential crisis at play

I've been trying to jump back into college since October 2023. (My original start date was December 1). (currently 31F, did 2 semesters after HS and dropped out). In those two months, I learned about Sophia and Study so I said I would postpone WGU and work on those credits first. Procrastination got the best of me and I didn't start those until November 2024. 76 credits later, I'm now 2 weeks away from my final day with study (8 credits to go) and I have an official start date with WGU planned for May 1 for a BS in Finance.

I want to be excited, and part of me is. But anxiety is setting in if all of this is really worth my time. I know it's just cold feet & insecurities. (i didn't procrastinate 12 months for nothing.) I've been in a basic customer service job for 10 years now, and to be quite honest I don't know if I'll have the guts to leave. I absolutely love my job, but I hate the pay (which is what prompted me to look back into school to begin with).

I haven't told a single person in real life that I've been working on going back to school, I'm not quite sure why. Fear of failing or quitting? Fear of the expectations that they'll have for me once I do complete schooling? Fear of them not supporting my decisions? I don't know.

To be honest, I'm not sure what the point of this post is, other than to get some of my thoughts out since I don't have anyone IRL to discuss them with. (Yes, I need to see a therapist but basic customer service job pay doesn't cover that LOL) But any words of motivation, similar situations or not, could be helpful right now.

Editing to add that i know 31 is technically not mid-life. But not to be dark, when you didn't see yourself making it past 20, everything seems like mid-life. I also describe my brain as 60% fear and worry, so overthinking is a specialty of mine.