I am not going to tell you what I would do, but I'd like to throw out a few thoughts. Most importantly: if keeping all of your options open is causing you so much stress, it might be time to prioritize.
What is your #1 goal? If you want to be a therapist, you won't need the PPS. At least not right now. You can always go back to school later if you want to change careers.
With the PPS out of the picture, would you prefer the MSW or the MFT program?
As for the cons, only 9 units will be transferrable to the MSW if I switch; which its okay since I am barely going to complete my first semester with 13 units (so I will loose 4 units). I also need to apply for the Fall of 2013 term, in which makes me feel like I wasted a year with my education.
If you did transfer, what would you do for the rest of the academic year? Would you take transferable courses that count towards the MSW? Would you work a full-time job to save some money? Would you look for a social work-related internship to get a head start on your new career? Do any of those options sound appealing or would you not be able to get over the "losing a year" feeling?
The way I see it, you would only lose 4 units. Not a full year, just 4 units. And 4 units (a single course?) mean nothing in the grand scheme of things.
I commute two times a week, but I notice it is becoming a hassle, plus I am not sure if I will need to drive more than 2x per week next year due to class schedule conflicts. I have 2 part-time jobs by where I live so I cannot move near the campus, plus I cannot afford to move out due to financial reasons.
If you do want to stay in your current program, I wonder if moving might not be a good option after all. Are you currently living at home or paying rent? How big would the financial impact of moving be? Any other ties to your current location (e.g. family)?
I am wondering if moving closer to school and prioritizing school work over jobs would allow you to finish your degree faster. You might have to take out some student loans, but if you consider opportunity cost, that might actually be a sound financial investment. (Every additional year in school means a year of lost wages.)
I certainly wouldn't stay put because of a part-time job. You can probably find part-time jobs closer to school if you were so inclined.