Ask yourself this: what do you truly know? In essence, nothing really. Sorry, that’s not meant to demean you. In fact when things go awry for me it’s what I ask myself. I will never know it all and it’s surprisingly pleasant to know. With that knowledge you can go about your life merrily. Don’t take everything so seriously. Have fun, enjoy the new experiences and laugh and smile along the way. Even in your current uncertainty you should find some peace as it may lead to a revelation, and perhaps your true destination.
As far as time + money invested in school goes if you view it from a lifetime perspective you’ll find that it is but a small leg of your journey. The funds you owe can be relieved if you have the belief in your own success. So take your time, don’t rush and venture to where your joy is.
Peace