Social work career taking too long?

This is a vent/question. While going through school it has taken 6 years (and 50,000 dollars in debt) to obtain my bachelors due to switching majors starting from music to finished with sociology/psychology. Now with no letter of recommendation from a professor which is required to apply for an MSW, to obtain that will be another 2-3 years plus taking the exam to even obtain a license in social work. Im just very worn out and exhausted from the adventure and it just seems like there will always be a next stem and me becoming a social worker seems to be more and more abstract. Right now I work with MR people doing relief work for the flexibility and while that is great experience, it isn't what I want to go to, and I also started volunteering a couple weeks ago at a local VA hospital working with a licensed MSW to finally see what it's like to be in the field. I don't have any other passion except working with people, helping them out that sort or thing. So it's pretty much this field or dedicating my life to the military. Im sick of being 24 and not having a real job or career. So I would like to hear other peoples experience when going for their MSW, if I should just suck it up and keep pushing forward, or if I even need the MSW degree and can make "decent money" being a case worker.