Is it too late for me as a 22-year-old female to apply for higher education?

Definitely not, there are people in their fifties and sixties going back to school. Higher education has no age requirement as long as you are willing to put in the time you are old enough.  

Firstly, no, definitely not. And secondly, I don't understand what gender has to do with it.

nope , as long as you got the money then age doesnt matter , we have had 60 year old going to university and fully grown adults learning to finish there high school certificates .

It’s never too late, I would still go back now if it were not for personal circumstances preventing me (at 45) do it while you can as the later you leave it the more

 difficult it will become!

Absolutely not!  I had a student who was got his bachelor's at age seventy! 

Never is been too late for education, and you are just 22 so don't think about age just go for it.

Are you asking if you're too old to apply for admission into a college or university?  The answer is absolutely not.

No. I didn't start attending university until my mid twenties. I was 24 when I transferred for a Community College to a 4 year university. 

My wife started college  around that age after working as a hair dresser. She now has a Masters degree 

I started as a full time freshman when I was 52. Btw, just for the hell of it, I ran for and Won a seat on the Student Council. Take That, kids!