Make 60k and trying to avoid more loans for masters degree.

Currently make 62k first year out of school. Net 3200/month after 401k.

20k of under grad loans at 500/month

Rent + bills at 700

Food + going out 700

Car + gas + insurance 325

Ect 100

This leaves me about 900 a month for grad school without even saving anything besides my 401k.

Grad school is going to be 12k a year for 4 years. Is filling out a FAFSA worth the time? I've herd about tax breaks for students. What can I do to make up the difference?