PsyD takes 7+ years total and requires a year's supervision/therapy, etc. so does not sound like it will work for you? With a bachelor's you could do work with the developmentally disabled (my daughter-in-law has a private practice) maybe switch to looking at an MSW degree which you could pursue and work at the same time? My best friend from high school was a psychiatric social worker and did counselling/therapy for the State of Georgia. That's only a couple years past a bachelor's.