Industrial-Organizational Psychology & HR Consulting
The following website is a good one: http://www.psywww.com/careers/ for exploring careers in psychology with just a B.S. or B.A. There are jobs in the non-profit and government sectors that you should explore for stability (job security).
Getting into a PhD or PsyD degree is very competitive right now. I would suggest going to the American Psychological Association's website: www.apa.org and exloring some of the content there. Many students today graduate with significant debt after obtaining a PhD or PsyD in psychology....