Made an account just to respond to this lol
I'm 31 turning 32, and this is actually my first application cycle with a single waitlist at my top-choice, funded school (crickets from the others and they were only 4 in total!). No publications. Not even a Creative Writing BA. (Sorta) Unrelated career. Lots of detours I took on purpose even!
Frankly, though, I don't regret how I ended up here and see that one measly waitlist as proof I took the right path so far no matter how "late" or amateur. At twenty-four I experienced family crises, moved abroad for years, pivoted fields, and met so many amazing people who inspire me (creatives and noncreatives alike!). I've discovered topics that ended up mattering more to me than I realized and why, and also developed myself outside of writing. I'm a passionate polyglot, educator, hobby artist, daughter, friend, community member, and Disability activist : ). These things drive me as much as writing (which has always felt like another heart in my chest tbh), and I'm at a point where I want that writing to be the vehicle that shares these passions with an audience.
You're going to get your shot, because you're going to be discovering just as much between now and your acceptance. I'm sure you already also write beautifully about things that matter to you. Just keep being curious about the world and your place in it as both a writer and a person.
EDIT: Just saw @A.M.'s reponse. Exactly thiiiiiiis. Love love love the idea of "fully inhabit yourself". Let that guide you!!!