Well then we are basically in the same boat. I contacted a few community colleges and some of the people were actually quite helpful. It seems like at least you will be able to get an adjunct position which is basically part time, and they hire full time teachers with 1-2 years experience which I think you can get while you work on the MA. A few of them said it is a decent idea to go for the masters. The risk/cost being more debt of course and might not get the job, while the risk/cost with the RA route is that you waste 2 years in a job you don't really want in the possible hopes of the PhD.
I suppose you can go the MA route and eventually try to get a PhD after some community college experience if you so chose, but unfortunately heard from a professor that having a masters doesn't really take any time off of the time to complete the PhD. 33% of PhD students drop out anyways, so depending on how you look at it, maybe it's a blessing in disguise?
I'd like to hear your thoughts on this whole life decision of suck.