I understand completely, but if learning is your motivation and you take on crushing debt to make it happen, you have no right to whine about it.

Would you be as sympathetic to someone who ran up thousands of dollars on their line of credit to buy luxury items? Nope. In fact we outright call these people idiots (without any shame) for spending more than they earn.

An advanced degree is a luxury item. It's a WANT and if you can't afford it then maybe you shouldn't have it.