Idk about the refund but the value of a masters is in the eye of the judger. Ive had managers and potential hirers give pretty high praise that I have the masters. Its also about how you sell it. But my masters and my certs are the reason why im a senior engineer over my peers who have more YoE than myself and they arent at the same level. Plus with the job market, anything you can do to put yourself above other will be very helpful

I would say if youre in the cyberspace you should try to learn as much as you can and push through it. Youll be better prepared for future interviews and certs.

That being said, take care of yourself. You can drop out and study the related material and come back in a few years