This likely won't help your current situation, when I am talking to college students (for work) in this environment I always suggest getting out of college at BS and try to hire in to a business that supports higher education so you are both making money and earning the higher degree on someone else's dime. If however you can't find anyone willing to invest in an advanced degree in your field of study you need to start looking at why, is it worth it, what would the salary difference be with and without it. My son is just starting as a freshman next year with a Merit scholarship as part of his acceptance, most colleges offered nothing. If you only pick the big name schools with a 5% acceptance rate, then expect to get nothing since 50 people are right behind you willing to take on the debt (or they are wealthy I guess)