5 years for a Masters at $40k a year isn’t an issue. But you need to alter your list - especially because even if you get the price on years 1-4 you won’t in year 5. But run the NPCs on the high reaches. If Princeton is zero, then you can afford a Masters but also know that at some schools, if you don’t go straight through, you may not have access to a one year program
Look at UMD but you need to add schools like Alabama, Ms State, WVU which will easily make budget. They are solid programs and meet your budget need….which is most important.