Don't ever pay for an MA/PhD in the humanities. Unless you're a trust-fund baby, there's zero compelling reason to take on any debt for a degree that in all likelihood will only decrease your future earnings, even if you get a nice tenure-track job (lol).
Possibly a stupid question, but is there somewhere reliable that gives the statistical breakdown of retention rates and job placement for top programs? Or is it on you to ask the department? I'm assuming you should only do this once they give you an offer, considering how reticent (reasonably so, given the bleak picture) departments are in handing out information like this.