Well FF,
It may be time to clean your hard drive out a bit. If you've spent a bunch of time on the net your temporary folders may be so filled with files that there is not enough room on your hard drive to expand your memory. You can usually find those folders in the Windows folder and in your program folder for your browser. If you can find the right folders and clear the deadwood out, or rid yourself of programs you no longer use, it might be enough to be able to expand your virtual memory.
The rule of thumb for how much space on your hard drive to use is about 50%. Use up much more space than that and you risk setting up a situation where your computer slows down and you don't have enough space for your virtual memory. That is why I have, and always advise others to get additional hard drives to go with their computers. It is not all that expensive to add an external hard drive and can save you lots of grief down the road. If you add one and only use your internal drive for those programs necessary to run your computer itself, you can usually avoid problems such as the one you mentioned.
As for your education, you've been given lots of good advise, including the one about making your own decision whether to continue or not. I will tell you that I regret not having gone to college back in the 1970s when I had the chance. But only you can decide what is best for you.
Forscher