Don't limit yourself from an advanced degree due to money. I'm in grad school now at a fairly expensive private school and my program provides tuition remission (meaning I don't pay tuition), plus a stipend on which to live. I still need loans, but they are very small, about $2000 per semester. If I did not have a son living at home, I could get a room mate, live cheaper, and not have loans at all. I'm in the science area and pretty much every graduate program I looked at was similar as far as the financial situation went. State schools did not have quite as good a deal, but they were already less expensive so it worked out about the same in the long run.
What I'm trying to say is don't just look at a college catalog, see the tuition and run the other way. My school is about $40,000 a year for tuition, room, board, etc, but very few students actually pay all that.