Chica,
What I'm saying is that I think you are over thinking the issue. As another poster stated, you are probably where you are supposed to be. If you feel as though you are being held back, evaluate what you are doing with your life. After all "Faith without work is Dead" Mark 16:16; But wilt thou know, O vain man, that faith without works is dead James 2:20.
In other words you can't pray to God for a new car or a job if you are just sitting at home doing nothing. I'm not accusing you of doing this but on the same token God knows the past, present, and future. He knows your journey, where your heart is, and every decision you are going to make before you make it. I believe you are where you are supposed to be. If you want to change your circumstances, change your behavior and ask God for guidance on the issue. I’m sorry if this wasn’t exactly the answer you were looking for. The big plan for God was to have Jesus come back and die for our sins so we can be redeemed. Jesus has done that so now it’s up to you to live your life as Christ like as possible.