Hello,
I`m 28 too, I have a PPL and IFR. I am working towards my CPL.
My advise (just my personal opinion), is that you should do what you like. If aviation is your passion, go for it. I would rather do that than be miserable for the rest of my life thinking "What if....?".
I do not think you are too old. Most countries are now changing their retirement age to 65, that leaves you with more than 30 years of flying ahead.
I don`t know what your situation is, if you are married or have kids, you would have to consider that too. It`s not impossible to get a flying job, but you probably won`t get hired by major airlines and earn big money after coming out of school. It takes some time and effort to get there. The question there would be, are you willing to put your family through that situation? Would they be OK with it? Is there another income source in the meantime? etc. So take that into account. But if you are still single, no kids, then I say you should work towards your goal!!!!
Again, this is just my opinion!
Best of luck in your flying career,
Arturo.