Sheri, to reiterate, it is NEVER TOO LATE! I tried to respond to this earlier but it would not work. You need to get going and apply for whatever you have to, and do it! I can't tell you that it will give you a lot of money. It has not to me because I am too selective. I love being in my practise, and I really enjoy my days at work, but they are far more numerous than my days at sea!