Waylon I'm just looking at it from my perspective. My wife's job doesn't offer health insurance. Law school is time consuming to the point where someone won't be able to work a full-time job to support his/her family, let alone get health insurance. Going the COBRA route for health insurance can run $1500 a month for a family plan. So with one salary coming in and a heavy debt for school if one goes the loan route, I see it as a difficult if not impossible thing to do in the short-term. Plus how many years do you need to work to pay off those loans?
For me, pushing 40 with the first child on the way, I wouldn't have the money (short-term to make mortgage payments, health insurance payments, etc.) or time (short-term to spend time with the baby or long-term to pay off the loans and actually start making money before I hit retirement).
That's the crux of my time and money comment. To be a paralegal I can go to a graduate-level ABA-approved program for 3 hours a day (figure 6 with commuting time and staying on-campus to do legal research for class assignments), have my weekends and nights free, and have my certification in 5 months, and be able to pay the tuition without taking out a 5-figure loan.