I am currently in my last semester of my freshman year. The two graduate schools that I am considering are Harvard and the Lauder Institute at Wharton (UPenn). They are both close to $100,000 for a Master's Degree. How much financial aid does a graduate student recieve on average? If I don't have much money, would it be smart to wait? If I obtain employment after I recieve my bachelor's and work full-time, will be able to attend grad school full-time, as well?