Sounds like your currect education is costing way too much time. (Considering I'm not working by far as much and I'm at a university)

Are there other educational options at this point?

In any case: yes! later on you would be so happy to have done some education. it will make the difference.

joining the armed forces.. well, it may be good for some. But I don't think it's something you should do from age 20 until you retire?

again, yes!

good luck!