School, Now?

I have really been thinking about going back to school. I would like to finish my education, and I kind of miss it. I only have about two full time years left. But there are a few problems. #1 Time: It seems like there would be no time to spend with my family if I was in school. #2 which really should be number 1 is Money: Who really has the money to pay for school. And #3 What do I really want to do? I cannot decide if want a major in psychology or in education. I love psychology, but an education career seems like there would be more opportunities.
What do you guys think? What should I do? Should I just be content with my life right now and forget about it for a while?

No matter what though, I love my life!