It's definitely not too late to start up a gold site. However, I would highly recommend you buy into or even get a free copy of
@Lime's upcoming e-book. It seems to be a highly reputable book (based off reviews + testimonials which I have heard) and explains key in-depth area's of certain things. I can safely say that he has had a lot of experience with working with shady companies in the past (which won't be named here) and by learning off him I can PERSONALLY ensure that as long as you follow the tips in the guide you can definitely pay off your entire $30k debt. The only problem is, you can only start your gold site once your DNT is removed.