whats a university degree worth?

So I graduated with a degree in psychology and sociology. When I was on the streets I never'd though I would survive, let alone go to university. What the universities won't tell students is that a psychology or sociology degree aint worth much. This is because people who study psych and soc want to help people and validate their notion that society is fucked up, rather than make a lot of money.
Sociology is a great domain if you want to study all in detail how fucked up society is and why this is so, and examine that fucked-up-ness from various paradigms and perspectives. BUT if after you're done in acadamia and want to actually change something in society you need to get way more letters behind your name than BA.
I really loved most of my studies. What really pissed me of were students who had never slept in a squat, been jacked up for being punk in public, got a ticket for their dog then jailed for not paying it saying things like "well i think the homeless are lazy or should get an education" and other ignorant things.
At least I didn't graduate then search for a job after. I was fortunate to speak with people who knew the deal in my second year. So I finished my degree and went into a BSW program (Bachelor of Social Work). A BSW guarantees a job doing almost anything you want, like with people dealing with mental illness, addictions, homelessness and all the other kinds of misery that plague the human race. I figure that with my experience as a runaway and homeless youth I can help some people, at least more so than others who have never experienced these things. I will graduate next June and am really proud of myself for overcoming all kinds of obstacles to get where I am at now. With my internship now I get to interact with people who are where i was at years ago.
When i told one of my profs that my goal was to get funding together from various levels of governemnt and philanthropists to create a sustainable affordable housing project i found out that I would probably need to get my Masters after (Master of Social Work- Macro practice). I am a bit pissed off that there is such prevalent credentialism that you practically need a degree now to work in a variety store. You would think that getting funding for housing and having formerly homeless people run cooperative housing would be ideal. But I guess in todays world reading expensive textbooks counts more than experience and empathy. A major problem is the helping professions are so highly regulated that most people with degrees in psych or sociology can't really work in the field- you need a Phd in psych or soc, or at least a Masters. Some people do get to do good works with BAs or less but that is rare and they tend to have tons of experience....(as a helpr, not as a "client")

I won't be able to do my Masters, because i am at the max for student loans and have to wait 5 years after i graduate to declare bankruptcy. But i am looking forward to continuing to advocate for and listening to many other people that are journeying a path similar to mine. I am happy I survived the streets and can work with others. But I find it really unfortunate that society is structured in such as way that only a minority of people who experienced homelessness or addictions or abusive parents etc can actually later make their living working with others 'cause you need to spend a lot of money to get credentials