You get loans for grad school the same way you got your loans for undergrad. Fill out your fafsa at www.fafsa.ed.gov and check you are interested in loans. You will not be eligible for the federal Pell grant since you have a bachelors degree. Married or unmarried really doesn’t matter when you apply for grants. They are looking at your household income, how many people that are included, how many people in the household are in college, the cost of the school, how much you have in assets, etc. Here is a good pub re: fin aid and loans.

There are no Pell Grants for graduate school because the program ends when a person graduates with their first Bachelor’s degree. The only thing the federal government gives is student loans. There are need based college scholarships available from the colleges along with a limited number of outside scholarships. There is a limited amount of scholarships out there for graduate school. On the bright side, your parents’ income will not count against you since grad students are considered independent students under the FAFSA, but your husband’s income will along with any savings. An idea maybe is to become a graduate or research assistant at the college itself because it most will help with the tuition along with a monthly stipend. Another option is to try for jobs at the university itself, and if you work enough hours, you could get health insurance and tuition help. I will include some free links which should help on finding money. Good luck!

I know it takes a lot of guts, but a lot of people do borrow more for there B.A. and then have to borrow more to get their M.A. then their PhD. Everyone who does it gulps whenever they take on the extra debt. I never got a scholarship or any kind of grant and had to borrow to get my PhD, but that PhD was the foundation of the whole rest of my life. I know it’s difficult, but I know you’ll be glad the rest of your life. In effect your life-time earnings more than make up for the debt. You’ll be astounded how many doors the letters M.A. and/or PhD opens for you. Btw, a B.A. on it’s own opens a lot of doors. Companies like to hire people who have B.A.s in English lit and other arts programs for their trainee programs. Industry has become so specialized that they need to train their own people and a B.A. shows you can learn, absorb and apply what they teach you quickly. The list of career oportunities gets longer with each degree you have. Don’t listen to any naysayers who may cross your path.

ive been working since 15 to at least pay off most of my university tuition