>>1 do you have a counsellor that you can speak with? Universities usually have one, I think, they might be able to advise you towards a better career path.
You could get one masters, like in psychology and become a physiatrist, if you find work that usually pays well.
There are careers in biology that don't require you to work in a lab, just research around a little. Look around and you may find something worthwhile ^^
Also, I feel your pain! I wanted to become a criminal profiler but it's so hard since there really isn't a set program for it, requires two masters, and getting the job may be difficult too.. *sigh*