I understand what you mean about the waivers and the stipends. I don't know whether I received any funding for this program. If so, I'd be required to teach my native language a few times a week for the university, which is probably impossible considering the distance. If I don't get the aid, I thought of taking a loan, probably because I would have to consider going to grad-school part-time (if this is even an option).
I love my new job. It is full time and it pays well, which is extremely important for my family right now, but I also love it. My husband wasn't saying anything about my applications, because I had a few part-time jobs, which could always be sacrificed for the right educational choice. Now, both employment and education are important. What a dilemma, phew.