I think you need to take t's advice with a grain of salt. She's not proven to have the best insight lately...

If you think you can handle school and dbt, if might be worth it to keep busy. I still think you would be well served by finding a qualified and workable t.dbt is great for skills, but not for processing stuff. If you can find a way to swing both a t and the program, it would probably work better. I know you said insurance doesn't cover both, but maybe you can work something out with them?