I was in the same boat, at the same age, although instead of a degree I had 2 GCSE's & 3 McDonald stars!
I was sat at my desk in work one day and phoned the missus up and just said "Dont laugh, I know what I want to do, I want to be an airline pilot"
"OK, why would I laugh" she said, and that was it, no research, no looking into it, just off the cuff decided I was going to do what I had always wanted to do.
I did the modular route, and since starting, weve got married and had two boys, moved home twice renovating both.
I've just started instructing this year. Its taken 5 years to get to this stage but its been worth it, as my wife says, some husbands waste their money going out on the piss or have affairs with other woman, at least I waste my money on something worthwhile and flying you cant make flying pregnant!