It seems my hard-earned degree isn't worth crap

I graduated with my BS in Psychology in May. Even before I graduated I was looking for jobs relating to my degree (or at least something I'd be vaguely interested in or can at least do and not want to choke myself).

I work in non-medical in-home senior care. My hours aren't guaranteed, but mire often than not I'm getting a bunch of hours - but my hours are really whenever and wherever.

I love my job, but I'm going nuts. I had a smoking client for 7 days of the last 13. A couple of those days when my shift ended I felt like I was going to be sick (I'm a non-smoker).
I want to tell the office I won't work with smoking clients, but the husband and I aren't financially in a position where I can pick and choose, since we both work and go to school, but I'm the only one who can really get full-time in around my classes and our health insurance takes $250 out of his paycheck every two weeks and the extra money he makes goes to paying off his car and groceries.

I KNOW what I want to do, but without my MS (in two years) I can't do it.

For months I've been looking for a job, but what they don't tell you in school is that unless you're good in sales then nobody wants someone with an undergrad psychology degree. They want social work.
I can't tell you how many times I've heard people say social work degrees can do more than psychology degrees. Even my sister says it (and sounds extremely pissed off when discussing it, and she's very level-headed).

So now I'm faced with finding a place to get my PLADC (provisional licensed alcohol and drug counselor) and potentially losing work hours, or find a way to beef up my credentials by taking classes (can't afford to just drop $500 on CNA classes, not at this moment, and keep in mind I'm already a full-time grad student), or find a second job - but most places I've looked want someone who can also do weekends, and I actually have a steady weekend client.

I find myself bouncing around. I had one teacher tell me a PLADC was basically worthless. He also told my class we should get life coach certified, to add to our resume, but that it's kind of silly (cynical much?).

I'm finding so many things I CAN do until I get my MS (in counseling), and that doing them might be beneficial in the long run but absurdly selfish in the immediate future. $500 for a CNA course? Rent's covered, but we like to make sure at least the next month's is good too.
Life coach, CNA, PLADC, hell I've even looked at wedding planning and getting ordained. Because maybe it would be SOMETHING that works.

I'm the main breadwinner in our household, the money isn't terrible, but I'm the one whose credentials don't mean anything to prospective employers, the one who barely makes above minimum wage, and I keep finding myself faced with "what ifs." Like "what if I can't afford car insurance when my car is signed over to me next month?" because then I CAN'T work (job requires proof of insurance, since I transport clients) AND it's kind of illegal.

I'm done with my vent now.