I feel I have. I'm 25 and I'm still 10 classes away from getting my BS. That's about it. All I have really done is work a lot. Ooh, what fun. While my friends whose parents could afford to send them to a four year school out of high school have graduated, studied abroad, got great jobs, etc.
But, it could be worse, I could be like one of my other friends, 25 married for 5 years with a 5 year old and 3 year old, and over $100,000 in debt ($40,000 of that credit card debt). Every day I'm glad I'm not him.