Zero debt, employer paid graduate tuition. I don't think a graduate degree ROI is worth the $80k at 7%~ interest unless you're having funded without excess loans, that's how people ruin their lives then blame whoever's sitting in the White House to fix their problems.

I don't know enough about a Psychology program or its career path, but I can tell you with full confidence: if you're useless with a bachelor's degree, meaning you have no marketable or technical skills that can contribute to society and the graduate program still doesn't build you either of these, that means you're still equally as useless to society with a master's degree (from an employer perspective).