I just turned 48 and I'm in the middle of earning of a BA and teaching credential. My school is 100% online. I can accelerate, but having a full time job makes it very difficult. So, I'll be 50 before I'll be done. Then, I want to go on to earn my masters. I'll probably be well into my 50s before then. It's NEVER too late!
People are living longer and I believe we will be working longer too.