150k debt to become a LCSW or LPCC

I have done the calculations and that is the estimate I have for if I go for a Master’s. It also includes the debt I already have, federal and private. Obviously, due to the current state of the planet, the estimate could be completely redundant in the time it takes me to get the degree and the proper license. Oh and I also added 30k to attempt to account for interest, which I know near nothing about. There are just too many variables to account for. Would I be able to afford to pay it down as fast as I would like? Even after all the bills I pay now, which will probably be inflated by the time I get there.

I went to a private university straight out of college and have over 50k in debt from that, after dropping out. I now don’t think going for a Master’s is a smart decision. It is what I want, but I am trying my hardest to not do things my future self will regret. Because I have a lot of guilt from all the dumb decisions I’ve made already in the past.

I am 26 years old btw. And I have had a lot of struggles with my mental health. But, this is the best I’ve felt in literal years, and I want to try and do something with it. It’s been so good for 5 months now, which makes me think it isn’t a fluke like all the other times. I just don’t know if future me will be able to handle the financial repercussions of getting a Master’s.