You like your life but you are kind of bored, so some change might be worth considering.

Option 2 seems to give you what you are looking for: something you think you'd like, better income, something beyond what you have now.

Option 3 does seem daunting, not least because you can't start it, if you are accepted, for another 18 months. That's as much as 15 percent of your expected work life just waiting to begin! Until then it does nothing to help with being bored. How long does that program run, and how does the expected increase in pay upon graduation compare to the $36K up front?

From your post, you sound drawn to option 2, not option 3.

I would also consider to what extent (if at all) the social work program, with its likely social (being a mature student) and academic stress, could affect your mental health and stability.