Hi, colorless
I am an international applicant, I am in my late 20s and I already have a MS in another field, my results so far are not looking good (2 rejections) so you might find our situation very similar.
I think everything that needed to be said are said, so I am just gonna say if I were you, I would definitely go for the MA, it's a good program, it's a way for you to meet other scholars and do something that can be added to your CV, so that you can come out as a much stronger applicant. Just think it as a way to achieve your ultimate goal, which I assume is getting a PhD.
I applied for a few MAs myself, and I've met people with multiple MS/MAs, I think it's quite common in the field of anthropology.
As for the cost/funding part, I would suggest you maybe don't relocate your family until you are all settled in the States, once you are in the program, you can apply for funding and/or find work, just give it a year or two until you are financially stable. Maybe you can apply for a student loan(or something with very low interest rate)?
However, you have your concerns and thoughts, so ultimately you have to be the one to make the decision.
Good luck and we all support you.