I can't speak for the psych NP part, but I can comment on OP's position.
I went to med school when I was 26 and will finally be done with training when im 36. Damn that's scary.
Admittedly that is a long time to wait, but then again I dont think i'd be as good of a clinician if I had taken any shortcuts either.
Being a good mental health clinician is so much more than knowing the psychopharmacology(which is fairly easy IMO) because of the interpersonal nature of the work and it requires
so much supervision in psychotherapeutic skills that it's almost impossible to describe in a single post. Complicated patients are complicated to work with not because of the complexity of their medical problems, but often because of the complexity/tragedy of their past upbringing that's lead them to an equally difficult temperament or interaction style that makes all other clinicians recoil. Recognizing how to work with colorful referrals from all walks of life is an important skill to gain and it's far harder than drug companies would have you believe. For example, it would be easy to prescribe xanax to treat your chronic pain patient's anxiety complaints, but how many clinicians would be able to hear this patient's story and have a multimodal armamentarium of treatment options that include advanced psychopharmacology(i.e. beyond benzo's) as well as psychotherapy(mindfulness based stress reduction or cognitive behavioral therapy)? Mastering the combination of the two is hard and arguably imperfect even after finishing that long course of training so it pains me to think about how scary it must be for other mental health clinicians who have less training and are thrown into the same mixture of complicated psychopathology that's out there.
OP, you're free to choose what kind of clinician you want to be. My hope is that you try to be the kind of clinician you'd want your family members to see if they ever had problems.
Regardless of what people say about money/costs, it all comes down to your own values and finding meaningful things in your life.
Trust me when I say that
you'll definitely be looking back on things at some point in your life, and the most bitter complaints i've heard from patients have never been about money, but more to do with regret.
Good luck in your choice, OP.