My titling process is different for each book. The titles for my Blood Books trilogy refer to specific scenes within each book. In these scenes, something happens that forever changes Avah, the series heroine. Because of this moment, Avah begins a journey she never saw herself pursuing. To me, these scenes are the most important in the books. On the other hand, the titles for my Sins & Secrets series refer to an idea or theme, not necessarily a scene from each book.
I can only speak on what's worked for me. I received a Bachelor of Arts in English and certification in professional writing from the University of Wisconsin--Parkside, as well as a Master of Fine Arts in creative writing from the University of Southern Maine. Could I be a writer without those degrees? Sure. However, the invaluable training I received has made me a better writer. I learned things I wouldn't have learned by trial and error, which, without an education, would be the only way I'd learn how to write. With that being said, do you need a degree to be a writer? No. Would I recommend getting one? Yes.