I think this question greatly depends on where you live. Is uni free where you live? I’m guessing not from you mentioning the cost of a degree and debt. Then how does the debt work? In some countries, the government issues student loans that are repaid much less stringently than most loans, and it’s not a big deal.

Depending on how the system works where you are, I’d weigh up the financial cost of going back to school vs what you would gain from it. What are you looking to get? Education for the sake of education? A better job, such that the financial cost of the degree will repay itself? The uni experience you missed out on? Something else? How much do you value that thing compared to how much it will cost you?