hi there good to know that you're on the right track with just a few  papers left.
the most common practice people do is, join an audit firm, preferably big4 but if you're going to further studies, it has always been Masters.

If I could suggest, you should take MBA, just to diversify your background. Although , even if you plan to join audit, everybody, regardless masters, degree, ACCA/CIMA, or a combination of any of those,

will start with the same salary probably if you are ambitious, maybe you should straight away get into the industry?
hi. Congratz for being left with just 5 more papers however, i must ask, you want to complete another 5 papers in THREE years time? does this mean you will be taking ONE paper each seating?

If possible, always take the option to complete them all first. Firstly because of your starting salary. You will most probably be forced to do the same amount of labor which even ACCA affiliates do but still be paid peanuts just because you haven't completed yet.

besides, you have just completed your F papers only, i dont think theres much to offer to employers, unless if you're an ACCA finalist or at least have already sat for a few P papers. You also will have to consider the study leave, if ever, your employer decides to give you.. some give just 3 days some DON'T.

don't worry at what age you complete ACCA, just be worried if you will complete it at all. 25 is quite okay though, well.. if u wanna talk about age, theres a lot of people still doing ACCA in their 40s.

I'd rather suggest for you to cleverly arrange your papers and take 2 each but if you have all the time u can have, then by all means take your time. Chances of passing are higher if u have single papers seriously

Fresh grad with no experience, depends on who is your employer. Big4 on average pay you 2800++, other Small medium firms pay around 2500++?

oh sorry for launching into the wrong details

even so, I'd still suggest you to finish your ACCA first, but definitely not in a 3 year time-span.

best is, a 3-2(1 year) or 2-2-1(1.5 years)

You already have a degree, im pretty sure 2-2-1 is not a problem at all for you

I am also 22, but without degree, just so you know