I am in the same situation as you are, but a little bit older than you-late 30. I got an university degree in accounting and wasn't able to find challenging jobs, but just accounting clerks, as AP, AR, bank rec's where I felt I am stuck with no chance to grow further. I then decided that the only way to acheive something and to get a better pay, is to register with an accounting designation program, and slowly to become a chartered accountant. I will also suggest to you to apply for position such as assistant controller, as the best way to see exactly what a chartered accountant is doing in this position. You will then be able to decide if you want to invest more of your time in education, or to choose something else to do that requires less education/experience in different industries/training/etc......
Good luck to you!
Tuculina, Montreal area