23 year old college student people telling me i should just give it up and get a job

Is 23 really that bad to be still trying to study? I went to college first thing out of highschool but it was hard studying for me in covid due to my adhd i do a lot better with in person classes. I was also studying nursing back then just as something to do but i found i didn’t really like studying the body and would instead cook elaborate soups and stuff instead of going to class plus my last semester i ended my first long term relationship and fell into a pretty deep depression. I took some time off and got treatment as well as worked some nanny jobs. I was doing research to find a culinology program and i found one that let’s you do an associate’s degree and then bachelor’s at rutgers figured it was right up my alley.

First year i was trying to rent a room but couldn’t find a job with the deteriorating financial situation so decided it would be more affordable to stay home and commute to school. I had to take out some pay day loans in the desperate situation i found myself in last year and according to some i should forgo everything to pay those off. Is 23 really too old to be keeping on trying to get a degree? Is it embarrassing that i’m not yet completely stable? Should i just throw in the towel?