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I don't know about the journalism programs you're looking at, but when I was undergrad I knew a lot of grad journalism students who were working full-time while taking classes. A good number had employers (newspapers, radio/TV outlets, PR firms, etc.) who were picking up at least part of the tab. You may want to explore that option.
Also, you may want to check out the websites for Quill and Scroll and the SPJ to see about graduate scholarships.
Right now I'm working full-time and doing law school during the evenings, so I feel you on paying for school with a minimum of loans. Good luck.
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