An education is much like any other investment. It can provide a source of income, enhance your quality of life and be a cushion when the going gets rough.

But, what if you never completed your education? Or if the education you have now seems inadequate in today's changing world? Is it worth the time and money to go back to school?

"Returning to school or even starting college as an adult should be a well-thought-out decision," says Eric Willman, a financial center manager at Fifth Third Bank. "If the education can help you obtain a financially rewarding career, a longer career path or greater job satisfaction, it can be well worth the investment."

Today's college students
It used to be that most college students were under age 25. Today, older adults are the fastest growing educational demographic, according to the Association for Nontraditional Students in Higher Education. In fact, older students make up 47 percent of the new and returning student population.

Many of these nontraditional students are motivated by today's unstable economy and hope to change careers or update their credentials. Some have raised families and now want to take advantage of the opportunities that come with good health and greater longevity. Others are single parents, juggling course work with various family responsibilities.

Today, many colleges are prepared to help nontraditional students. They offer campus childcare and flexible course schedules, including evening, weekend and online classes. Still, finding a way to manage the financial obligations can be a challenge.

"If you have a family, returning to school should be a joint decision, because it usually requires personal sacrifice from the entire family," Willman says.

Financing education
"Often, our customers do not have the savings to finance their return to school," Willman continues. "We encourage them to contact our student lending department, which can help them obtain subsidized and unsubsidized student loans."

With subsidized loans, the government pays interest payments while students are in school; with unsubsidized loans, students must make these minimum interest payments while in they're school.

Willman encourages students to ask the financial aid office at their prospective schools about financial aid packages, grants and scholarships. In some cases, employers offer financial assistance or tuition reimbursement as a benefit to current employees.

"For those who are considering a return to school, I encourage them to come in and meet with a financial center manager, who can help them consider all their options," Willman says. "Appointments can be helpful, although they are not necessary."

To learn more about financing a return to school, contact Fifth Third at (866) 475-4201 or visit 53.com.