My university also doesn't really allocate weekly hours. Last semester I had to teach 2 of my own classes, so I had to do everything on my own. That was 2.5 hours of class time, 1 hour office hour, about 3-4 hours of lesson planning and about 5 hours of homework grading (I taught a low level German class, so we had exams, essays and small homeworks everyday) weekly, not to mention exam making that could sometimes take up to 3 hours per exam. It was difficult, but I only have one class to teach this semester because I'm writing my MA thesis and the year before I was only TAing for professors. The department spread out the stipend, so we get a flatrate of abt $10K/year for the two years of MA program. The third semester was definitely the worst, but I feel like the program really spread things out evenly. I do agree that 10K really isn't that much though. My parents still had to pay for institutional fees at the start of every semester eventhough I live in Athens, GA.