It could be a transference like wish to become a therapist. It does happen. But perhaps you also do have the interest and talent.

I don't completely follow the stuff about finances because you get another chance at it for grad school, which provides financial aid by different rules and standards. If you really think you might be serious, I would first find out what the information is about grad financial aid.

I have a feeling that it is still available to you but may not be enough to survive on. Many people get professional degrees by using night courses and hybrid partly online courses so that they can continue to work. Some only take a part time load depending on how much they are working. In other words, it is not impossible.

The question about whether this is what you really want and do you want to take all that time and money to do it, well, only you really can answer that. Perhaps talking to some therapists about why they decided on that profession and what it is like for them. It is not all that glamorous really. Picking someone who has changed careers to be a therapist would probably be more informative. I would also consider doing some work that is related to the field like working in a group home, with foster youth, suicide hotline, or any number of things that would give you say a year's experience dealing with issues that come up over and over for each population.