I don't know what it's like where you live, but many therapists I know had a different career and started studying psychology and psychotherapy in their thirties or forties. In fact, a foreign trainer who came to teach us was quite surprised that the oldest in our group (olde than you) would have been the youngest in the training group in his country. I really think that your life experience will show. Personally, as a young therapist who chose this right from the beginning I feel a little self-conscious about not having much other experience, and I think that would be a strong point for you.

Would it be possible for you to try for a scholarship to help you pay for your studies? Or perhaps study in a different country where it might be cheaper and another process to become a therapist? It may be just my opinion, but personally I think being in your 30s is young to decide not to try to go for your dream and change direction, go back to school, etc.

If you just want to get a sense of what university-level psychology looks like, perhaps you could first try psychology MOOCs - free online courses offered by universities. They typically don't last very long and you just get a taste of it, but I took some interesting courses online and had something to learn even though I'd taken years of studies and training in real life before. I don't know if there are any MOOCs for college credit at this time or how that might work (and I'm a firm believer that psychology needs to be taught face to face), but it's a way you can start to learn.

I'm also available if you have any questions, though again, I don't know the system in your country.