How to Choose the Right Graduate Program

You already have a B.A. or B.S., but in order to nab the job you want, you may want to consider going back to school for your Masters.

But which one? How do you choose?

Traditionally, the graduate work is done at a different college or university than the one that issued the "Bach." Sometimes that's easy to do (particularly if you live in a multi-college town), other times, it's not.

Where ever you wind up going, however, you'll need to research a few things, including:

How much per credit? This varies widely. Some smaller colleges aren't much more expensive than undergraduate work. They, unfortunately, are the exception rather than the norm. You will likely find many charge $600+/credit.

Will my employer pay for it? In an ideal world, all employers would foot the bill for their employees' education, so long as they stay at the company long enough to pay it off. Check with your HR department. Some companies pay upfront, while others pay a portion. Of those that pay a portion, most pay a smaller percentage if you get a "B," and still less if you get a "C." Also, check with your tax adviser to see how this could affect your taxes.

Is financial aid available? You can always find money for college. If you're out of work, talk to your local Department of Labor. Check online, too. FastWeb offers small loans and grants; piece a couple of these together and it'll be as good as one big one. Also ask the college - they may have leads on grants and loans.

How much time will it take up? It's not uncommon to spend five or more hours for every graduate credit you take. This can be a huge crimp in your style, particularly if you have a lengthly commute to and from classes.

Can I take classes online? Not everyone has the mentality to take online classes. Having said that, they are great for the time crunched - you can take your class any time of day. Some colleges actually offer complete degree programs online. Make sure, though, that they're credentialed so you don't cough up cash to a "diploma mill."

How long until I get the degree? If you go full time, it may take you two years. A few close to me spent five years, taking a class or two at a time. Make no mistake - this is a commitment.

Is my family on board with it? Your significant other and children (if you have them) - will they give you the space needed to fulfill your goal? Make sure they are - and that you set ground rules for interruptions.

IN A NUTSHELL: Before signing up for graduate work, research.