Can you add a Concentration after you've already graduated?

[sanantone]

For someone who is semi-retired and who, presumably, has a tighter budget as a result, spending $5400+ for a Master's degree might not make much sense when you can get a second Bachelor's degree for about half that. Ultimately, you have to do what works best for your situation, though.

How fast do you expect someone to complete 51 credits at UMPI?

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When you don't have experience, you can qualify for many federal government jobs with education. Some of the jobs people might want are not offered at lower grades. Let's look at Dayton, OH.

Bachelor's degree - GS-5 - $36,247

One year of graduate education - GS-7 - $44,900

Two years of graduate education or a master's degree - GS-9 - $54,922.

The OP might be semi-retired, but the jobs of interest are full-time jobs that will bring in extra income on top of whatever retirement benefits are being paid out or will allow one to not touch retirement savings. Spending $5,400 to earn an extra $40k to $60k per year doesn't sound like a bad deal to me.