I'm slightly younger than you, but I'm emerging from the same situation and I'd like to talk to you. My email is on my profile. Unlike you, I didn't go to college, so that made things worse. I feel I've wasted the last 3-4 years, but I'm trying to turn things around. I'm convinced that my stagnation happened due to not being sure if I wanted to be a designer or a developer, and if I wanted to get a real job or start my own business.
Anyway, I'm a designer with some knowledge of web development. I'm not a great developer, but I'm trying to become a better developer, and in the process, a better designer. Let's share the ride.