I am in my early 40's. I minored in psychology. I have a masters in education. I currently teach ESL in a bilingual program at an elementary school. I am interested in returning to school. Initially, I am interested in counseling, possibly in sex addiction and other sexual issues and depression. This is all preliminary as I'm just exploring all this. Ultimately, I may want to get my PsyD or PhD. I'd like to have the option to test and teach. As a single person, I am particularly concerned about cost and financing. I am also wondering about how to gain acceptance into a program, as I've been out of school for a while. Any advice on programs (MSW, masters in counseling, PsyD, PhD) as well as financing would be greatly appreciated. Thanks in advance!