*tries to keep composed and not think about how old he's getting in relation to his fellow Gen Yers*
I think we have to consider a lot:
1) Previous debt: is the projected starting salary of said career enough to afford any debt already incured and that of which you will incur?
2) We're going to be older than those starting
Luckily, we aren't too old. We may get a few odd looks on one or two interviews, but I doubt if it's going to be an issue.
2b) We're getting older, and more is expected of us.
Are you sure you want to get another B.S.? An M.S. in counselling, LCSW, etc can lead to lucrative careers that don't stray as much from your base. As a psych major, my fear is that you will have to complete almost everything over because there's almost no overlap (mine was math; I'm going into comp sci too).
Do you not like psych? It isn't a dead-end like a Philosophy degree; it is usable, just not at the B.S. level.
3) What other financial, social, and economic stressors are present now that weren't when you started?
I'm temporarily disabled for the issues that largely caused me not to have my M.S. by now, so I am sustaining until I am able to break into the workforce again. Also, I've only been unemployed for 6 months now, so I've had some $ saved up.
Can you afford the hours of a full time student now?
4) Fuck it we're gettin older.
I think we have to just get over it. The way our gen grew up was thinking that things happen according to plan. HS-->College-->Career-->Kids-->American Dream
I have met so many people our age that don't even have many struggles and are in the same or less or a place by society's standards. At the end of the day, when we consider the average life expectancy, this is such a small part of our lives that it's going to be rendered even more inconsequential than the SATs (I bet you don't even think about those any more, for example)
Oh no, I prefer lecture structure, and hopefully the program I'm going for will be hands-on.