Here are my thoughts: 1) You don’t have to study your career path. You will almost certainly make more money in software than as an EE. I do electronics as a hobby, and I’m pretty happy with it. I worked full time while taking two classes a term. You already have a career in software. I’m here to tell you: you probably won’t be learning much you don’t already know. I didn’t. Why do you want to go to school to study ME/EE? If you want it, go for it. But if you’re just wanting to complete college, play to your strengths.
2) School is expensive. I cheated by going to a church college that subsidizes tuition. I have since stopped being a church-goer. I’m still proud of myself for getting my degree.
3) My wife is going back to school in mid-forties. It’s not too late.
4) You’re younger than you think. If you’re not too tied down, tear up your life. You’ve got lots in front of you. I had a wife and a newborn (still have both) and a full time job.
5) US university programs strongly bias toward kids coming out of high school. They are a quagmire of bureaucracy. Ask lots of questions about the program, find out what you can skip, what you don’t need, etc. I managed to get out of an internship requirement due to my 15 years in the industry.
Good luck, and I’m proud of you. Education is a worthy goal.