You are scared I understand why. You are scared to start a 4 year degree course because your are 28 years old and by the time you graduate you will be 32 years old. Here’s the thing, whether you take the degree course or not you will be 32 in 4 years time. So why not be 32 doing something you love!?
I read a quote once on the wall of a New York apartment building: ‘Life is like a taxi ride, the meter just keeps a-ticking whether you are getting somewhere or just standing still’. If you can make progress you should, if you can enjoy the view great but whatever you choose the meter ticks on.