Hi Nutty
no you are not going mad lol !!
I do not know much about dreams, but this is my personal 'feeling ' about your dream. ( but others may have a better idea, which will be great to read )
I 'feel' that school was a 'safe' place for you, being with your friends. As a child there was no monetary problems ( you didnt know what bills were !) with your friends it was talking and playing, no responsibility , as that of adulthood.
Perhaps things have been getting you down, and in your subconscious , it is taking you back to those times of childhood, hence the dream.
.........................
BlueBell xx