Hi there,
Sorry to hear you're going through a tough time at the minute. It's completely normal to not feel settled when starting a new course in a new place so don't feel like you're alone in this!
I can completely understand being put off by the prospect of having to do a Masters and PHD as this is a really big commitment, but don't let this stop you from studying something you enjoy. You may find that after studying Psychology for 3 years you want a break and don't want to further your studies, this is completely normal and a lot of people don't go straight into further education. Equally, you may find that studying Psychology as an undergraduate inspires and encourages you to carry on your studies and further your knowledge.
Like others have recommended, I'd definitely encourage you to take a look at the Open University or other online courses offered by universities. From a quick search, there are many universities that offer 100% online Psychology degrees. Studying online will still allow you to further your education whilst remaining in the comfort of your home, studying at your own pace.
Whatever you choose, make sure it's the correct decision for you and something you will enjoy in the long run.
Best wishes, ^Hannah 🙂