Is my life over at 28?

I’m a single mom with two young toddler boys. I made horrible decisions in my late teens to mid twenties. I was in an 8 year long relationship, on and off, with my children’s father. He dumped me to explore relationships with others. At the time, I was in nursing school and flunked out. I didn’t manage my time wisely.

After having my two babies (currently 3 and 2), I decided to go back to school to finish my undergraduate degree. I already had accumulated debt from pulling out school loans. I decided to work Uber eats to allow me the flexibility to attend school while parenting. I struggled a lot but managed to get to the end of my degree program. Since I was never allowed back into nursing school at that specific college (once you flunk out, you’re out for good), I decided to pursue a general Health Sciences degree. I got to the very end of my degree program and flunked my literature review. I am now expelled from the school due to having a low gpa and can’t complete my degree program until 2026. On top of that, I made HORRIBLE financial decisions and wrecked my credit score. I now have 5 closed accounts, 4 maxed credit cards (all $300 each), and 3 missed installment loan payments (car payments). I was never financially literate and just now learning.

How screwed am I? I’m currently looking for a health care job to gain experience while waiting for degree completion. I also would like to attend nursing school at a community college. The waitlist is currently 1 year with a tuition rate of $7,000. I ran out of financial aid and will have to pay out of pocket for school. I’m determined to get myself out of this hole (especially as a single mom), but wondering if there’s even a chance to come back from this and the duration. Thank you!