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As far as the differences between going MSW, PsyD and MHC. In New York and most states, MSW is more favorable than MHC or MFT. A PsyD is more preferred if you want to strictly do clinical work.
The MSW is the most flexible degree and is respected if you want to do psychotherapy. From what I understand, the MHC degree has limitations pertaining to insurance and getting jobs. If someone wants to be a “doctor”, then go for the PsyD. It does take longer, is more researched based but does have the nicer title. At the same time, I know a PsyD that says an LCSW is perfectly adequate and that a PsyD isn’t necessary to be an effective therapist.
If someone got a MHC degree and is finding it limiting, they could use a number of their credits to transfer into a PsyD program.