Graduated from engineering school first, then went to dental school. I might have more debt than anyone on this site, so don't let "more school == more $" get to you. College and graduate school were both very challenging to me (just darn difficult), but both proved to be excellent experiences in my life. Both experiences trained me to think logically and continually learn. But it was the personal experiences (people/places/etc) that I learned the most from. Met folks from all over the world, traveled to South America, Asia, etc. Also lived in the Western US for a few years as a direct result of those educational experiences.

If you're happy doing what you're doing, and like the life experiences you've had and are having, don't worry about formal higher education at a local college. For me, continual learning is a must in my life to keep complacency & boredom down. I always try to keep learning about things I'm interested in--patient care, business, wildlife management, self sufficiency, etc--not just to get more pieces of paper. My goal has always been to never have to update a resume for someone else to critique. I'm 33 now, and just achieved that goal.