You need to focus on whether you want to be a TALK only therapist or a combo medical biological sciences & talk Doc. I always wanted to be a BRAIN Doc & pre-med Neurobiology Major & budding Neurologist until Year 3 Med School when I was clear that General Neuro was too dry & NOT for me. The combo or Neuro-Psychiatry was better, with my MD Psychiatrists very nice & cool & ore normal, with better life & schedule when off-duty. Pay for MDs, $200-300k, less than 1/2 for good PhD & less for Master level talk therapists. Being a MD is the 1st decision you need to make, them the type of Doc once finishing 4 years of diverse Med School, where you are REQUIRED to rotate through all Depts.