A psychologist can help you better. Its good to take help and resolve issues in the best way

you are clear that you did not earlier and now have much interest in studies, but u have to study because you need to clear all backlogs. Is that correct? In this case , what you may have is something called discomfort anxiety. It's the anxiousness and the need to avoid doing something which is discomforting even when one knows it's for my good. You can take help of a Psychotherapist. You can take face to face sessions, Skype/ video online sessions or phone session. Look for a therapist who is trained in a particular style of therapy. It may help you derive enough skills to focus on important tasks despite low motivation.

If u feel you can make money without any degree.  What is that so compulsive to complete it. Do u want it because the society and people around u wanted it as their way to boast  it about you with their people?!! Or you wanted it for any other purpose!!!.