I was 27 when I had my braces, insurance didn't cover anything. I would do it over again - it was worth the pain and the money to have a really nice smile. I got funny looks on occasion, especially when I delivered my oldest at 29 :)
Mine are off now, but I had my braces on from 26-29. It was the second time I had worn braces. The first time was as a child. I wasn't embarrassed, but they were expensive. I needed them to fix my jaw so it was worth it. I still sleep in retainers.