another person? two incomes?
i'm halfway through my master's degree -- but i'll tell you, despite the incredible fun it is - it is also a lot of work. and, money. my stafford loan which originated through the college is doing bizarre twists and turns even though i had a 'fixed rate.' i started paying on it as soon as i got it - and they're still robbing me blind.
i'll tell you what to do. you get you own loan from your own sources. much MUCH smarter. student loans look wonderful until payback. they think students are dumb and won't have time to keep up with their bills. well, i gave them a piece of my mind.
credit union. get into one quickly. take out a home equity loan when you can (in a year or so?) and stay with the day job. it might be the lowest rate on your loan you can find. take out enough money to tide you through two years with a little extra money. of course, pay back is always something you have to deal with, too. 15 years is a long time - but if you are serious about your master's degree - just do it. the financial reimbusement might not come right away - but sooner or later it will. think of the ladies who will be willing you their estates when they hear you play. or, the possible jobs conducting the local symphony orchestra. if i was a guy i'd want to conduct, perform, and compose.
did you know stokowski made over 200 of his own orchestral arrangements/transcriptions. he made them for his own performances and conducting - but when he died - people got hold of some of them and they have been quite thrilling to remember him by. get yourself sibelius or notation. and make sure you can work a power point presentation. these things will help you in grad school a lot. with an equity loan - maybe you'll get a good laptop, too. although they sometimes offer them to students for free at the school.
don't waste your time at uni's with bad libraries. go to where the information is. you don't want to be doing inter-library book loans. or, like me, go crazy spending the first year and buy books and cd's at barnes and noble. i haven't regretted it - but i spent more than i planned on. thankfully, my husband was gracious during this period of spending. (and, i had to buy a good looking bag to carry my books - leather - so they wouldn't get all ripped up) and a pair of piano shoes that had square toes.
now, i need a grand piano. who's going to buy that? obviously, my husband is becoming immune to my needs. (just kidding). we have three children. you don't have any. spend wildly.