Masters and then PhD or PsyD

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I've been accepted to St. John's PsyD program in school psychology. I applied to mental health counseling masters programs, social work programs, and this one PsyD program. This program takes 5 years to complete and even though they offer graduate assistantships some of which can potentially cover your tuition and give you a small stipend, they are very competitive. My interests were initially to do therapy and clinical work but I wanted to keep my options open because I feel like I might end up getting my doctorate anyway. I'm also receiving financial support for my living costs from family but I may not have that in the future. So should I pursue a masters in mental health counseling or social work first and get experience and a good understanding of my interests and then move to a PhD in clinical psychology? If I do this, I have to go directly into my PhD after finishing my masters to still get my family's support, which worries me on if I'll burn out. Or should I just go straight into the school psychology PsyD program while I still have the guaranteed financial support? Does the real world care if you got a clinical psych or school psych degree? Is there a stigma about how qualified school psychologists are. Everyone seems to run away from this question but in NYC how much does a school psychologist make, even if they don't work in a school.