You are right to be thinking about careers. I am a PhD student so I know what that's like. In Psychology you likely would not have to pay for it directly but would have to work it off by teaching. You should fully expect a PhD to take at least 5 years to complete. If you are not interested in doing a full PhD for 5 or more years after your Bachelors you should look for a different career option. There are tons of Psych BSs looking for jobs and you don't want to be one of them.