It is possible to get a masters or doctorate for free.
1). Upon acceptance to a master's Level program, immediately apply for a graduate staff assistant position on campus, and you will get a tuition waiver for the projected length of the program.
2). apply for a fellowship, if the doctorate program is something you want. Larger, and many of the smaller institutions are starving for research assistants.
3). find a full-time job at a college that allows you to study at cost, or for free. there are many out there, but you need to see if there's one in your area.
It worked for me, and three of my siblings, none of us were able to afford it otherwise, good luck!