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Definitely worth it - I got a masters for several reasons: one, I graduated during the 91 recession, and couldn't find a job - in grad school, I was a GTA, so managed to eat and keep a roof over my head (that was about it) - also, I enjoy teaching at the college level, and graduate school is a minimum requirement to teach at community colleges (usually a PHD or ABD is required for university level teaching) - so it was definitely worth the long hours of studying.
If you go to graduate school in the same or very similar major to your undergraduate degree, like I did, it was rather easy.
There are two major obstacles to clear in grad school: defending your thesis, and passing the comprehensive exams ("comps").
Go for it - you have nothing to lose by trying!
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