Masters Degree

I was wondering if I should go and get my masters. I have a BS degree in General Business Administration. I did not have a minor or concentration. I changed my major once and I changed schools. I was also in a special program that helped me transition from high school to college. I did not have time to get a minor or concentration. I have alot of people trying to get me to go to grad school, but there are a few problems with that. First I do not have enough money to pay for another two years worth of classes. I have a job, but the job is not in my field its in the mental health field. I do not make enough money to go and get a masters. I can’t pay my current bills with the job I have now. Why should I go out and make another big bill for myself because college is one big bill. When it comes to grad school there is not much in the lines for financial aide so I would be on my own. Plus why should I get a masters when I cant do anything with the BS. I have been having my BS for four years and I have not used it once. I would have to take the gmat or gre which im not good at those type of tests. I would have to apply to several colleges based on my scores. I would have to enroll and buy books. I would have to put another two years of my life on hold. I want to get my certificate in Human Resource Management because I am one class off and its something I want to do. I dont know what to do can someone help me?

Can someone help me?

I recommend you post this in the business majors subforum: http://talk.collegeconfidential.com/business-major/

While some of us could try to answer your questions, the answers are a lot more specific to your situation than most of us can help you with.