I hear ya, and know people in similar situations. It all comes down to the person on an individual basis.
But also remember, school does not necessarily = success. Far from it I’d say.
^ Also not saying school is bad, it can be great. Again, it all depends on who you are and what you want to do with yourself.
Once again, I know MANY, MANY people that have graduated University or College and are working retail for minimum wage. Many people.