<prompt> Human: I began a masters program this fall. Its a 30 credit program and each credit costs roughly 980. Im in a online program that uses 8-week semesters. I do one course every 8 weeks and each course is roughly 3,000, not including books. Right now, I have a about 28,000 to my name. My job at one point offered to help pay but retracted at the last minute. Im looking for another job in my spare time but the market where I live is not that great.Currently, I pull in about 1,600 per month 800 bi-weekly. 525 of that goes to monthly rent, the rest goes to food and gas. I try to live on 60 worth of groceries a week. I can usually make a tank of gas last about 3 weeks and a full tank costs about 30. Thats really it. I have no debts or payments to make. Insurance comes up every 6 months and thats about 300. I hardly go out anymore too.I tried looking around for financial aid but the school Im in is out of state and most of the scholarships they offer require that I live in that state. I filed a FASFA but I dont want to start accumulating debt just yet. I have a feeling I can make it through this, but Ill be depleted of my life savings and Im not sure this degree is worth that.Feedbackwisdom welcome.Thanks,  <response>: It depends on the degree. If it will force you into debt elsewhere, take a student loan because they are relatively low interest rates. If you wont be able to pay off your student loans with your degree, you may need to give up on it for now, or increase income. I personally would see it as worth it if you can replace the savings and pay off any student loans taken within 5-10 years after graduating. Hopefully faster. 