Greetings,
@ASparrow. First, welcome to this forum.
My first question was already asked (and answered): what do you wish to do with a degree in MH?
As your principal goal is to become a practicing psychotherapist, I would echo the advice of other commenters regarding considering the master's route. I also came from a blue-collar career and made a career change to this field. I currently work as a licensed, master's level counselor.
First, I encourage you to become familiar with the differences between master (mid) level clinicians and our doctoral-level counterparts. While a number of differences exist, psychologists are more robustly trained in the area of
assessment. They also receive more training overall, obviously. But as far as offering psychotherapy, mid-level clinicians are generally considered by most as adequately trained. Bear in mind that mid-levels must continue their education in specific therapeutic modalities after graduation and they must continue our supervised training for another few years.
Doctoral-level clinicians are also more heavily trained in producing new research. (Research is a skill all on its own!) While mid-level clinicians generally consume this research and put it into daily practice. Also, if a career in academia as an associate professor is on your to-do list, then a doctoral degree (usually Ph.D.) is generally considered a prerequisite. Mid-levels often still teach as adjuncts at community colleges or some other undergraduate colleges, but this is usually done as a side hustle and not so much as a career move.
Next, I encourage you to familiarize yourself with the differences between a counselor and a clinical social worker. And again, contrast these differences with your career goals. Counseling generally offers more direct clinical training but has a narrower career scope. The MSW offers a broader general training but has a unified licensure standard and offers more career opportunities. The MSW is also able to bill Medicare while counselors cannot do this in many/most cases. So if your career plans involve working with the elderly or disabled, this is information you need to know now.
Now, onto the more controversial portion of this reply:
online training
Folks on this forum consistently advise against this educational delivery method for very good reasons. Many of these programs are indeed predatory and charge outrageous amounts of money. Us mid-levels (or even doctoral-levels) simply do not make enough money in this field to justify the price tags! If you borrow $80k for this schooling, be prepared to spend $800-1000 monthly in your loan repayment. The average reported monthly salary for mid-levels tends to fall between $40-50k annually (BLS). But I HIGHLY encourage you to do market and labor research for the specific region in which you plan to practice.
Also, keep in mind some regions are highly oversaturated with clinicians. So jobs are often competitive. Even doctoral-level clinicians with years of experience often report having to compete for jobs. So, a mid-level with an online degree often has an impossible time trying to stand out.
We live in a credential-driven society. So long as this is the case, we will always see credential-granting institutions offering/promising shortcuts to these credentials at the expense of students and to the profession/field as a whole. So...BUYER BEWARE! Do. The. Math. First!
Whether we like it or note, online training is here and is here to stay. As some others notes, there are some decent programs out there (in my opinion) (such as the MSW program here at Boise State University in Idaho). But there are still some big differences in the training these students receive compared with their B/M (in-person) counterparts. The more reputable programs will have limited seats available in a program (I believe BSU's program has just 15 per year and has a student/faculty ratio of about 1:4) whereas the predatory schools have an unlimited number of seats and have a student/faculty ratio closer to 1:30. Programs such as Capalla or CSPP admit anyone that meets the minimum requirements and will just hire on more adjunct faculty if needed. (These additional faculty may or may not have an established reputation yet themselves!) (Hint: these same schools often use their own doctoral students as free/cheap labor to teach the master's students! = even more profit for the institution.)
The challenge with online training (or any training really) is that
we do not know what we do not know at the front end of our training. So, if an online program leaves out critical components (such as research training, faculty mentorship, or quality clinical supervision), then we have no way to gauge this during our training experience. We must simply trust the program we are investing ourselves in.
So, a student really has no way of knowing/gauging their quality of training until they are in the clinical training phase (or even later). At this point, it is simply too late. (And oftentimes it results in severe harm to the client/patients!)
Moral of this story:
1) Learn the differences between mid and doctoral-level credentials and reflect/contrast this with your career goals.
2) Do your due diligence and market research. Do. The. Math. Before. Enrolling!
3) If you decide to attend school online, choose a reputable program! At a bare minimum, demand CACREP accreditation if going the counseling route. (While CACREP does not demonstrate any meaningful outcomes advantage in quality, it will at least provide you with some employment advantages later on in your career.)
I do not say these things to discourage you. But I do believe people deserve to make informed decisions when investing tens of thousands of dollars and years of their lives. I know practitioners who attended online schooling who are now leaders in the field. But I also know online schooling interns who were fired from their internships due to incompetence. (The latter is more frequent.) Online schooling
can be done. But it is a very tricky business. And we live in a world where one group of people want/need the credentials, where the credential-granters want the profit. Online schools simply cannot fully serve their role as gatekeepers, IMO. Instead, they rely on the field supervisors who, may or may not be qualified themselves, or who may or may not live up to this role. (To be a good clinician, we MUST be willing to submit to our gatekeepers' authority and experience. I would never want to practice psychotherapy unless I was properly screened and vetted by quality faculty over time.)
I wish you the very best whichever path you choose, my friend. Continue doing your due diligence. And again, WELCOME!!
Edit/addition: Also, CONGRATULATIONS on earning your bachelor's degree! This is HUGE! (Especially earning it later in life!) Stop whatever you are doing right now, stand up, and take a bow! #Rockstar!