Stressful. Between community college and a university, I was in college from 2004-2013, and barely experienced my 20's. I was a commuter and had way too much going on to actually enjoy it, but it worked out in the end.
Worked part-time and took classes part-time during community college, so it took me four years to get my associates. Fortunately my job was only 10 minutes away from campus.
Had to wait until I was 24 to be approved for financial aid for my bachelor's, in which my father passed away at the time and I ended up spending the whole summer going through a lot of trouble to clear my transcript after being put on academic probation due to not attending since I forgot to drop the classes with everything going on at home.
Once that got cleared up, I finally started attending and was working part-time, going to class full-time (45-60 min commute), helping around the house, and taking my siblings to appointments while my mom worked. Ended up quitting my job so I could focus on classes and helping at home.
Got great grades, graduated, and was offered a job making decent money so I could move out. Totally worth it.