I had that "running out of time" thing happening also but, you are too young for that, I only started in CG at 26.
The most important thing you need to establish is - what are you passionate about ? Once you know that then you are more than half the way there. If it's 3D character modelling then you can either enroll in an online mentored course OR enroll in a full course at Escape Studios for example (if they do that) OR apply for a job in a CG company which will more than likely be in London - this is less likely until you have some relevant skills under your belt.
Don't be intimidated by what you see in films, all these artists started somewhere. I think you are at a pivotal point in your career that requires a leap of faith. Go for it, you have nothing to lose.