All Right... Logic Takes Hold.
My sensible side couldn't keep up the money panic for long. Apparently not even for an hour. I checked the Simmons website, and they say that most financial aid only requires enrollment of at least 6 credits per semester. I was planning on taking 12 per semester, (3 classes of 4 credits each), but it looks like I can probably do 8 credits (2 classes) per semester and keep my aid. Which would leave me with enough left over to pay for my rent for the 9 months I'll be taking classes. And will give me more time to work and make money. AND if I forget about the joint MA/MFA 56-credit degree thing and just do the 36-credit MA, I can still get it done in 2 years. Panic has subsided. Yay for me. I hope I can find a fairly lucrative part-time job, so that I have money to travel a bit as well!
Optimism saves the day again!
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