I am glad that someone mentioned this and don't mean to use you as an example but proper planning along the way would have allowed you to leave on your own terms, not your son's. Working 7 more years to help your son pay for school? I don't think so---they are called student loans for a reason.
I will be 58 and debt-free, including my mortgage, when I get my 30. I will have $200K in my 401K and a $5K/month pension. I will leave on my terms and will have the ability and freedom to do whatever the hell I want.