I have financial concerns about graduate school

Most student loans are deferred through graduate school.
Most graduate schools provide some form of funding or in-house work for their graduate students, called a graduate assistantship. The student might supervise research, aid in teaching a class, or work with on individual faculty member on other tasks. Those who receive a graduate assistantship (often called a G.A.) often get either a tuition-waiver or a waiver of non-residency fees. Along with the assistantship come requirements with regard to course load and employment in other work. Doctoral programs tend to have more funding sources available than Master's level programs.
If you are taking a full load, it is not a good idea to try to hold down an outside job and do graduate work. Some programs allow part-time graduate study, but others expect a full-time commitment. The full-time commitment is necessary because the nature of what is being studied requires your full attention in order to perform at a professional level. Life as a graduate student is closer to being employed than it is to being an undergraduate student. You have a more collegial relationship with professors who expect professional behavior from you.
Talk to a financial counselor about your particular situation.

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