A masters degree in psychology is not considered to be a terminal degree. A Ph.D. is. and Ph.D. programs in psychology are incredibly difficult to get into. There are Psy.D. programs that teach the treatment and testing part and not the reserach methods. Typically, in these programs you do not have to do a dissertation. Some psychology departments offer marriage and family therapy master's programs and this is a useful degree that has licensure in most states.
A master's degree that you might want to look into is a Master's in Social Work. Social workers do more than 50% of the counseling and psychotherapy done in the U.S. It's also a highly versatile degree that can get you into many areas of practice.