I am in exactly the same situation. I was so excited about going to school, and now the excitement is waining. I wonder if it has to do with alot of negativity of chat boards and such about attending school. I also recieved nice scholarships, and would be able to go for almost free tuition. Like you, my hang-up is the debt for living expenses, and the lack of income for three years. I have been out of school for 5 years, and it seems like I have finally gotten ahold of my finances. In addition, some new jobs are opening up where I work. I really think I would like going to school and being a lawyer, its just going from a paying job to having more debt that has me nervous. I guess that is why alot of folks go right after UG.
You nailed it. Exact same boat.
Do you have a family to support as well?