Rethink my career path: PharmD VS PMH-NP

First, I would appreciate you guys for taking time for the advices.

Currently just finished 1st year PharmD curriculum at an expensive private school. I am making a decision whether I should continue with pharmacy school or take a year off before applying for psychiatric nursing. (currently RN, BSN)

I will try to be as brief as possible. Here are some pros and cons for quitting pharm school and go for PMHNP

Pros for quitting PharmD to pursue NP:

-Unlike pharmacy, psychiatric nursing will satisfy my curiosity in the complexity of human minds, allow me to gain more autonomy, and potentially match my personality according to career tests and my introspective view of myself. This may be a very naïve perspective about the field. I am planning to apply for a PRN job as a psych nurse and talk to as psych NPs to confirm my decision and to get the 1st/2nd hand experience.

-Fierce job competition in pharmacy in the future. Lots of bright students in my class. I have the gut feelings that we’ll be competing for residencies and clinical positions in the futures. New grads in my school already have tough time finding jobs even in retails. Also. Hugh financial risk, see below.

-Save $66,174 in tuitions fee and at least $50,000 in opportunity cost for pharmacy residency (2 years residency required for clinical position)!! Huge financial relief. Total >$100,000

-MSN schedule is more flexible, unlike pharmacy school where I have to attend full-time like in undergrad and have to compete with younger geeky college kids . Even with working part-time as RN, I will be graduating with hugh loans from PharmD.

Cons for quitting PharmD to pursue NP:
1.Already owed $20,000 of student loans.
2.Starting salary for NP may be ~$20,000 less than PharmD? True? (but who know in the future?)
Is the job market also tight for PMH-NPs with more schools and all those online programs?
I am horrified by the idea of still having to work as a bedside RN after completing NP program to supplement the income.
3.Feel like a loser dropping out from school and it’s already to late to apply to PMHNP program this Fall. Have to wait until 2010. Do you guys know which NP schools will start in Spring 2010?
4.I have put lots of time and energy during my 1st year in pharm school. Got good grades, leadership potential, and research involvement.

Please comment/criticize if you have time. It’s a big decision.
One more question? Part-time opportunities as PMHNP or psychiatric CNS?