Thanks for the replies. I adjunct at a different school, not the school with the doctorate program. When I talked to the director, she said they had only two TAs to offer, so they were very limited with funding. She went on to say that funding is getting very rough right now, which I understand, and she said that it is possible that someone could quit or decide not to go and use the funding later on. Of course, I realize that if I start paying for my program, chances are good that I will pay the entire way.
I could pay for my program fairly easily and not take out loans. I am very fortunate that I can get away without loans, and if that changes, I would probably not return to school. Of course, I would rather get funding, but if I adjunct, I am in the same financial situation. I would make as much by paying for my education through my adjuncting jobs.
The program is not top ranked, but I don't think I could get into a top ranked program. Plus, I really don't want to move. The fact that the program is local is a huge plus. I know you shouldn't base your school decisions on location, but location is important when you have a family. I guess that is the one reason I am considering paying. I don't really want to move my family across the country so I can go to school.
My career goals are to teach. I love teaching, and I want to return to school because I want to continue learning. I love school. I love studying, and I have always wanted to get a doctorate. So that is my reason for returning to school, but I also don't want to spend all that time in school and not end up with a job.