What type of jobs are you considering when you are done with your masters in Psychology? If you intend to work in academia then do some freelancing or if you want to be licensed psychologist and work with people, then look for a job around people. I am concerned though as you said you have social anxiety, are you planning on
Being clinical psychologist?

I could never afford not to work. I completed both undergrad and grad schools while working. But my husband took off work for nursing school and took massive student loan as his schedule made it difficult to work (he volunteered a lot at the hospital). So you can take a loan and not work