[AKA_Monet]

I don't know what to do about the student loans, but the 2.9 GPA does not preclude you from getting into grad school, depending on the school.

What you need to do is network with counseling centers or "labs" at your prospective school. Then, you need to show them that you can do graduate work, successfully. Then, you need to get help with writing your statement of purpose and letters of recommendations for the program to which you want to apply.

It will take you 1-2 years to bolster your "portfolio". If you are able, you can sit in some of the classes.

And as far as payment, you need to see some people who can help you in the department. There are grants and scholarships to which you can apply. Especially if you want to treat various groups of people.

Currently, the military is begging for civilians to be ready to treat soldiers for coming home and separation. Anyone interested in PTSD and beyond, the DOD will pay large sums to go to school, but I think you have to give time back to the military if they pay it--but not overseas...

And schools always need child psychologists because there are so many kids growing up with disabilities like autism and bad parents, etc.