I will try to put this as succinctly as possible. When I was 26 I had spent two years in a terminal master's program in mathematics. I was pretty distracted. I was a B+/B student for the most part. I ended up with two C's, both in my first semester. Regardless, I was distracted and moved on. I'm now 29. For the past three years I have worked for a community college, got married (which more or less whipped me into shape), and been a substitute teacher. I am a full time tutor in their learning center and half-time instructor for pre-college math/GED type classes. In the past year I took four classes at a local university (Differenial Geometry, Functional Analysis I/II, and Graduate DiffEqs) and got all As. I took the subject GRE in math (~70th percentile :( ). I have not taken the General GRE yet. I am interested in applying to the PhD program. I do not need funding from the university since the institution I work for will pay for my college and is pretty flexible as long as I log in all the required hours I am suppose to work each pay period. I have relatively substantial savings as well. I am wondering if it would be possible to restart graduate studies, specifically because I have seen wildly positive (anything by Mathwonk) and negative advice.