Do u believe that how worrying u feel depends on how old u r? I don't think a girl who just 20 years old should be worried about another side of future. U gotta questions 4 urself are good, which means u r thinking and caring. That's the opporunity cost u'll take anyway, if you choose to do it on this way.
If u really have dreams, chasing them, pursuring them. Don't just thinking or worrying and let them out of u mind. One day, u'll find the dream comes true.