There are many expensive lessons in life. If I kept looking back at the first time I started school 15 years ago and left to marry my high school sweetheart who promptly cheated on me and left me with nothing, I wouldn't be where I was at now. Sure, it took 10 years before I was able to afford to return to school, but if it hadn't been for the experiences I had in the intervening decade, I wouldn't be where I am today with full funding for a BS and an MSW. Stop telling yourself this experience "ruined" your life. The credits may not transfer, but the education will -- from the classroom and getting burned.