Haha I laughed at the one that said 20s are too young to be published....I was published at 17.
It is NEVER too late to write...just think of all the life experiences you have to go on to write about!!! And psh no you don't need college...zillions of writers never went to college. Writing is an art, something that you cultivate, not something that anyone can really teach you. I suggest looking for good self-publishers. You do have to pay to get self-published, but at least you're published, and most self-publishers will help you get publicity, like to book shows where you meet publishers that want to sign you. A self-publisher is great if you just want to write one book as well, instead of getting signed for 10. It also helps when you send a manuscript into a publisher if you've already been published yourself.
My first book was self-published by Pleasant Word, a division of Winepress Publishing. You might check into what they offer.
Keep writing!!!! =]
Christie
myspace .com/christiespiritfire