<p>Think of this question from the perspective of your personal finances:</p>
<p>How much will health insurance cost, out of your own pocket?
How much does rent or a mortgage, cost?
How easily will you be able to pay off your student loans?
How much will private school for your kids cost?</p>
<p>Then find out what salary you can reasonably expect to make based on the jobs for which your BA or BS qualifies you. Do not assume that an advanced degree will be possible for you, nor that it will improve your job prospects.</p>