Help!!! I need some advice!

So I talked to my academic adviser today and I'm completely freaking out!  The plan is to start my Masters degree in Curriculum and Instruction with the Reading Endorsement in January.  I have to take two classes per semester because I am taking out a student loan to complete the program.

My adviser said she understands my need for financial aide, but would not recommend that many hours to a person in my situation....single mother, 2 very busy kids, a full time job, and a part time job.  I just can't do this without taking out a loan, and K-State requires I take at least 5 hours to qualify for financial aid.  That means two courses.

I gotta be honest....I'm starting to wonder if I should be doing this.  My kids are so busy, and I don't want to miss any of this precious time with them.  They are growing up way too fast and in just 2.5 short years my son will be off to college.  My baby girl is starting middle school next school year and then our schedules will be really crazy.

Should I be getting my Master's Degree now?  Is it the right time?  Am I setting myself up for failure by taking two classes on top of everything else I have going on?  Can I afford not to have a Master's degree....it's the only way to increase your income in education.  What about during sale week (if that happens....a disaster has happened with that...can't even think about it right now)....can I work 14 hour days and complete the course work for two classes and  keep up with grading and lesson planning, and all the needs of my kiddos?

I just don't want to fail.  I don't want to start and not be able to finish.  I don't want to get half way in and realize I'm drowning and just can't do it. I'm so confused, and I could REALLY use some advice.  Anyone have some experience with this?  Any parents out there who obtained their Masters degree while working a job and half?  HELP!!!