a failure in disguise

It's not secret that I am the lowest paid person I know. (next to the ones that don't work!)
I am by no means a career woman, so I am not sure why this eats away at me. I know its not a competition, but most ways I feel like a failure. I spent lots of money that I had, and lots of money in loans to go to college, because growing up they said that's what you are supposed to do.

I never knew what I wanted to be when I grew up, when it comes to a paying job that is. I at one point, fell in love with making music. hmm, maybe I should be a music educator! huh, that went over. I made so many decision mistakes during college. Then schools starting cutting music programs and teachers. I knew I'd never want to leave my family. So I dropped the Ed part, and graduated with B of arts in Music. AKA, an expensive and useless piece of paper.

I am back to square one. I don't know what I want to do when I grow up... errr I am grown up.
I feel that I am VERY flexible as far as jobs go, and honestly I truly don't mind my job. I don't like my pay, the negative attitudes of fellow employees, the overall lack of respect, and the dead end feeling of it.
job searching is tough, when you don't know what you want to do, or if you are even qualified for anything. Oh and heck I am NOT good at handling drastic changes. I play the "what if" game, to the point that I convince myself to suck it up and deal with life as is. These kind of decisions became much harder, after all these things affect 4 people now. So I am looking for my own courage and love, support and ideas from others!