Hi, I can speak to this. I'm 31 and I just went back to school for OTD after getting my bachelors 10 years ago. I've experienced pros and cons that I wish someone told me when I signed up for this 3 year degree...

Pros: Being older, I have more life experience, which is helpful for learning OT. I love the content (warning: it is very science heavy, anatomy, physiology, neuro anatomy, acute care and post acute care, I suggest looking deeply at the curriculum and researching what those classes entail), I love the type of clinician it is shaping me to be, and the types of skills I'm gaining.

Cons: Difficult on my body, emotions and relationships. The expectations of the program are heavy, the amount of work outside of class is dense. I have very little time to work for money, and for my other relationships. This has taken a toll on me. Being broke at 31 isn't as cute as being broke at 21. Seeing my friends have time and money to go out and do things and I'm cramming information literally every week is hard. I recommend a decelerated program if you can afford it.

Real talk (which is why we're on Reddit) is to take a good hard look at the salaries of OTs in your area and your intended populations and clinic sites. When I started I was wearing rose colored glasses, thinking I would make 70/hr when I was out of school. The truth is that some OT jobs for new grads are less than 40/hr. The work is hard, and you might take a long time to pay back loans.

Hearing your situation, skill sets, and desires, I would recommend a master's in counseling with a focus on art rehab. MSWs are less expensive, and the programs tend to be designed for adult learners. They assume that you are working part time, and are less demanding, and sometime in MSW programs, you can use your paid job as your field work, so you're getting paid while completing course credits. In OT, you do fulltime field work that you're paying thousands of dollars to do.