Some perspective:
I won't finish medical school until I am 28. That means I have never had a job, or a career, prior to this.
Then, I won't finish even the shortest residency until I am 30 or 31. Still, no real career to speak of.
Supposing I decide to do a Fellowship or a Subspecialization, I'm looking at 34 or 35 before I begin to get a real job.
35 > 28, and in that amount of time you will have probably developed a stronger financial situation and everything else. True, doctors tend to make good money when they are done, but some of them don't get DONE until they are 40. Most of my friends have houses, nice cars, yards, excellent vacations, nice 401k's, excellent financial investment systems, and here I am being a perpetual student.
Point is, 28 ain't so bad. Crap, the average age of an entering graduate student in my program here at Iowa is 31, so you're doing pretty good! No way your undergrad will take 4 years, talk to a counselor and make some plans. Keep your head together and you'll pull away just fine. One or two courses each summer can knock a semester or two off in a hurry!
Best wishes, and keep positive: you HAVE a job, you are making money with which to develop a sound financial foundation if you plan wisely, and you have goals. Doesn't sound like a loser to me at all.
