Hello Lost. I too hold the same degrees and more in Music and IT. I have been practicing since before you were born. I totally understand what you are talking about. There were assignments I did where I plain scared! However, as you are now almost through the MOT degree may I ask one question:
"WHY?" After 5 years and a grueling BOT you know what we deal with. It is what it is. Perhaps you can switch to Education because you mention you are interested in that? Speak with your professors, I went from Pharmacy to OT to Music to OT etc and Medicine eventually did them all. It's not for everyone. What are your goals? In life?
I never planned to be a working OT at my age. I should have married an MD or a lawyer and been supported accordingly. I am way too independent and creative for the mainstream which leads to pain and rejection.
Take a few months, rest, relax, don't even think about it. See what you love and whatever you love, DO.