Best thing you can do is increase your earning potential, if getting a masters degree comes with a big pay increase I would be tempted to do it.... but I would not go into debt for it, figure out a way to cashflow your way through.
If learning web development is more interesting to you, figure out a way to get a job doing it and do everything you can to learn more and increase your earning potential. Learn new skills, be a head of your peers in learning new programs, etc.
Good luck!