I'm thinking of NOT applying because of the debt, short-term career outlook since I'm old, and too much stress. At least, I went through the process of the possibility of pursuing it. But, I like where I am and will do things that are doable. I am thinking I won't re-visit this topic anymore and even if I do, I don't have any regrets about not pursuing grad school. Sometimes, I feel I should be satisfied with what I have and am. I am NOT earning much but am happy and healthy. This perspective is more important to me than pursuing a lofty goal which could harm my health and outlook.