It can be difficult to get a PhD, it can take a long time, and it can be expensive, as depending on your field and sometimes on the school, you may get funding to help you pay for the PhD, or you may not get any funding at all. Some here have talked about full funding - that may be possible for, say, PhD chem students, but PhD in your field? You need to check, as again, this very much varies by field and sometimes also by school (you may be fully funded at Harvard, but not at the local school you can get to, for example.) Do your research.
Before you do this, take some time to figure out what you actually want to do, and if a PhD is the only way to get there. If you want counseling, could an MSW get you there cheaper and faster? So do hardcore research first.
What is the demand for people with the PhD you want to get? What is the average pay? Understanding what you might actually get re: funding (if anything), what would you need in loans to get through the program? If your debt will be $200k, but your salary will be $55k, this really may not be a path you want to pursue.
If a PhD is what you really need or want, then you'll need to start researching programs to find those that offer the type of focus you want, that you might get into, where there is a person on faculty whose research matches with what you want to research. Then find out if they offer funding to PhD students in your field, how much they offer, etc.
I've seen students in your field graduate with over $200k in debt and find no job, or a job that only pays $45k per year, so you really, really need to think this through and do a lot of research - as you've started to do - before you jump.
Many PhD programs are all consuming. You won't be able to work while you get your PhD, and you'll need a real support system in place for childcare and support at home while you're doing the PhD.