I got my bachelors degree late in life after raising my son and now I'm working on a professional degree. I'm the first person in my family to go to college. While I'm proud of that and wish I had done it in my early twenties before I became a mother, so it would have a chance of paying off financially, I do not find I feel any different or better about myself than I did before I started.
In the end, it is about work and money and personal achievement. It does not bring me the love, warmth and fulfulment that I found being a mother and having a family.
A degree can't hug you, cuddle you tell you it loves you, you cannot shower your love and affection on it. It will teach you nothing about unconditional love and the feeling that you would truly die to protect this little being if you had to. I raised my son poor and in a bad marriage, I was sick and there were many problems and heartbreak. Still, I have no regrets except that I didn't relax and enjoy it all more. Now my first grandchild is on the way and I intend to do just that. I know no one who regrets having their children.
Unless you truly don't like children ( and some people don't), have the baby!