Noooo, not even close.
I got my Master's and another 18 hours (maybe more) for just over 10k. The key is to do it early on in your career, not 20 years in. Plus, a lot schools/districts will pay you back to get your Masters.
The only reason I didn't get my PhD is 1. It is a lot of work...2. I can barely read and/or write and 3. It doesn't improve my pay.
If she doesn't have her Masters and is planning on staying in Ed...tell her to start now...the work is easy and the payoff is great plus it opens up new doors.
Like others have said...there is a lot of hidden money too...Coaching is a big one. Golf? 5-6k for a 8 week season and you get to miss school all the time!
Summer school class? Sure, I would love another 4,000 dollars to teach a 4 week class.
Cover a class? Thanks, I will take my 25 dollars...