I'm just curious as to how everyone is funding their education. I have noticed several people working on a second Masters and/or PHD. In my case I'm about 20k down in my Masters and would love a PHD. I just find the degree to be very cost prohibitive given the price tag. Is everyone getting student loans? I current teach online at two institutions and would love to obtain a PHD. The price tag really frightens me although, I know it would open up a lot of doors.