I think the most important thing to bare in mind is the "Sunk Cost Fallacy" (https://en.wikipedia.org/wiki/Sunk_cost#Loss_aversion_and_th...)

Don't make your decision based on what you've already done/paid. Make your decision based only on looking forward. Try considering: - What's my goal? (Make a family, take over the world, have a masters) - What actions get me toward my goal most efficiently? (Start making money, steal the moon, keep head down)

At the end of the day, it's a highly personal and contextual decision.

If you do decide to drop out, it'd be worth talking to staff about ways to keep credit for things you have already done - perhaps in a few years you could finish your course with Open University?