Well, I'm only 24 years old, lived in Wisconsin most of my life, so I wouldn't say I have had tremendous life experience yet. Most of my peers are around my age as well, ranging from 22-35 approximately, although there are older students as well.
What is most important is to have a strong manuscript submission. Also, there are many MFA programs out there now, and while it will be difficult to get into the top programs and additionally, get funding if you actually get in, there are smaller programs at universities all over the country that you should try out. I recommend buying the AWP Writer's Program Guide book (http://www.dustbooks.com/
) to look up the particulars of each program. Most programs will require you to take the GRE, but there are those that don't, and even if you do apply to a school that requires it, the score doesn't matter--it's just a general requirement of most universities' graduate schools and the MFA program won't look at those scores.
I like my program (I'm at the University of Arizona) and it's good to be in a creative environment again. I haven't been like, "Wow, this blows my mind!" but what it is offering me at the very least is two years of time to focus on my writing. Also, I got full funding, a fellowship, and a teaching position, and so I'm able to subsist okay as a student for the time and do what I want to do.