<p>Many grad school programs offer tuition stipends for TA’s. depending on the program you apply for you may not have to worry about the tuition part. I know our grad students in my dept are provided tuition waivers and just need to cover living expenses. Sometimes they even work with the res life offices and get room and board covered in exchange for RA duties. I/O psych is a great area and many consulting firms exist for those with advanced degrees in those areas. Check out linked in for people who have that degree or work for consulting firms. Talk to the faculty and ask where they have connections and where they are sending students. Also with the public loan forgiveness program if you work for 10 years in the public sector (ie like a faculty member at a state school) you can forgive portions of your loans. Life is too short to be unhappy, if you work hard you can make it happen :)</p>