Although I have been in music my entire adult life - 34 years to be exact - I did not have a music degree until I was 43 years old. I had wanted to earn my master's degree for many years, but kids, life, and cost prevented me. There are excellent master's in music education that cost 25, 35, 50 thousand or more! Do you know what I paid for mine? Just $9,000! It's more affordable than you think. And there were no student loans.