<prompt> Human: Im twenty years old and about to start my third year of college. I will be in debt about 20,000 when I graduate. Most masters programs Im interested in but almost definitely wont be able to do because of obvious financial reasons would cost about 100,000 to get the degree. How can any average American afford an MA these days?  <response>: Well average Americans dont generally get a masters about 1 out of 10 hold a higher than Bachelors degree.Beyond that youre looking at people who get the degree paid for by others work, scholarships, etc or go into mountains of debt not unheard of. 