Same here, but the more I look into it, the more I get frustrated. It seems like the cost to further my education is more than i'd likely gain with that extra piece of paper. I'm stuck between a rock and a hard place, because I'm topped out where I am now with nowhere to go unless I get that paper, but if I get that paper I'd likely move up in rank but with less pay. Sure there is potential there, but being 40 years old, is it worth the pay cut now and hope the potential is there later?