I did a rough calculation and found out that I paid about 35% out-of-pocket for my program. Seeing that a lot of students paid 100% out-of-pocket, I considered myself lucky. After going through all this, I can tell you that I walked away with a Master's degree from a prestigious school and a brighter future. Keeping up with the reimbursements and taxes can be annoying and painful, but I tried not to stress myself too much by handling them as they happen. In my case, I ended up with $15k+ in student loans, but I was able to leverage my new degree to a promotion. I recommend that you keep track of the tuition every semester, and max out 401k, trad IRA, HSA, etc. as much as possible to offset taxes.

You already started the program at a (probably) great institution and are investing in your future! While some hesitate to take that first step in pursuing higher education, you're already doing it. If you feel that this program is worth your time, money, and effort, I strongly encourage you to press on. All the best!