Only just seen this post.
Started a MA just over a month ago, and i'm so glad i did! Can't say how hard its been, been out of education for a long time, but enjoying it more and more. Getting into a routine now, going back to studying is hard, so if you're in your last year of a degree, you'll not have that hurdle to face.
Had serious depression in the last five years, sudden death of my eldest son, followed by the end of marriage, and due in the family courts in January to sort the finances, plus the understandable problems of my youngest 2 sons to everything, so understand your concerns over that.
Having deadlines and work to do at home, has given me new stress though. The sort of stress thats ok to have, that hard work and determination help you to cope with.
On a really low income, and having to fund myself to do this, but sold everything i could over the summer, had so many toys, clothes etc that my boys had grown out of, stopped using so managed to get the first years funding, and studying means i'm not spending money so trying to save for the second years funding.
If you afford it, and sort childcare, i say go for it! If nothing else, studying occupies your mind, have to be strict and keep stopping myself from being lost in my thoughts, but after almost a semester, i think its the best thing i ever did. :)