I like everything about this post except the debt part.
Others will come along with advice, but I'd be vary careful when thinking about this. It is not fun being saddled with student loans and trying to raise a family.
It can be very fulfilling but you might want to postpone it for a bit. Hang out your shingle as a freelancer and try it on for size, see how it works to get paid for taking photos. There is a lot of competition out there from what I understand...
I've been working on a humanities degree off and on for 20 (!) years because work and other more practical schooling kept getting in the way.
Right now I work part time in a union position, and the union benefits cover my tuition which is a very sweet deal.
I hope to have an MA by the time I hit retirement age.
[This message edited by FaithFool at 8:58 AM, September 17th (Tuesday)]