If a) you aren’t “interested in teaching”, b) you don’t know you “can keep up”, and c) “money is the main issue”, you really shouldn’t apply to MS program in Astrophysics. If you’re about to graduate with a bachelor degree in physics, you should know whether physics is for you. If not, you’re unlikely to be prepared for a graduate program in physics (or astrophysics). Spending time and money for an unfunded master’s program to see if you’re up to it and can go further in physics isn’t wise at all. On the other hand, if you have the background in physics and are deeply interested in it, apply to a PhD program. It’s much harder to be accepted to a PhD program, of course, compared to a master’s program, but at least it wouldn’t cost you so much.