I'd very easy for someone at my point in life to say "ignore the cost", so I'll say it anyway.
$20K should be a tiny % of the area under your earnings curve, less than one part in 10,000, possibly one part in 10^5, add in the 2012 inflation spike, and it might be 10^6
'Harder to get into'; has value as a signal for the NPV of a course, but it's a very noisy one.
You need to look in some detail at the modules in the course and optimise for the set that you feel that you are excellent at. When you come out the other side, it's going to be viciously competitive.
With all due respect, you're mediocre at some things and crap at others, identify where you can beat the (circa) 20,000 poeple who will emerge with quantish qualifications that year, and buy the basket of options that maximises that.