We hereby report the discovery of ATLAS17jrp as an extraordinary tidal disruption event (TDE) in the star-forming galaxy SDSS_J162034.99+240726.5 in our recent sample of mid-infrared outbursts in nearby galaxies. Its optical/UV light curves rise to a peak luminosity of ~1.06x10^44^erg/s in about a month and then decay as t^-5/3^ with a roughly constant temperature around 19000K, and the optical spectra show a blue continuum and very broad Balmer lines with FWHM~15000km/s, which gradually narrowed to 1400km/s within 4yr, all agreeing well with other optical TDEs. A delayed and rapidly rising X-ray flare with a peak luminosity of ~1.27x10^43^erg/s was detected ~170d after the optical peak. The high MIR luminosity of ATLAS17jrp (~2x10^43^erg/s) has revealed a distinctive dusty environment with a covering factor as high as ~0.2, which is comparable to that of a torus in active galactic nuclei but at least one order of magnitude higher than normal optical TDEs. Therefore, ATLAS17jrp turns out to be one of the rare unambiguous TDEs found in star-forming galaxies, and its high dust-covering factor implies that dust extinction could play an important role in the absence of optical TDEs in star-forming galaxies.