<prompt> Human: I graduated 2 years ago with a degree in psychology I know I know and took a job that was underpaid but still related to my field somewhat. I left that job and moved. For the past 6 months I have been working survival jobs with unpredictable hours. It was common to have a dollar or less in my bank account until my next paycheck.I recently deferred my offer of admission from a human resources program from one of the top ranked colleges in the country and I won the scholarship to cover half of my tuition. But I wasnt eligible for any assistance from FAFSA though next year I will be eligible.I plan to enroll in the program next year assuming that I can get loans, but Ive been struggling to pay off my student loan debt and I dont know if the program will be worth it. I know there are so many community colleges offering the program for much less, and there is even a designation that a person can get without a university degree. I read that human resources managers can earn more than 100k but most other salary reports say that people in HR dont make more than 60-70k, which is still much more than Im making right now I would hope to make more than that with a graduate degree. I would hate to go to grad school and have 2 years of gap on my resume and find out later that the degree doesnt pay back for my time and money. With that being said, is it going to be worth my time and money to study masters in human resources?What other grad degrees other than psychology would you recommend?  <response>: In general, its the work experience that gets you the big money, not the degree. Degrees are more of a nice to have and something that will possibly get you a decent raise at a job you are already working at.I wouldnt take on a whole lot more debt in the hope of getting a job you dont already have.Honestly, it will probably be better for you to just take the credentials you already have and get a job with those and start building more work experience with it. 