Of course you and I are completely different people, but my most recent T was a doctoral intern, so she was finishing up her PhD while working as a therapist. I actually found it to be very helpful that she was new, and she was very capable despite being inexperience, so don't write off this one just yet! But of course make sure you are doing what's best for you. Remember that it is ultimately your wellbeing and yours alone that you need to be concerned about in this situation!