No. A lot of programs will let you start from a Bachelor's, they just take longer obv because there's more work you need to do.
My program is going to work out to around 8,250 a semester give or take. I've never taken out a student loan, but it's not too bad. You don't even need to start paying it back til you graduate and they're super easy to work with. In fact, usually if you work for a non profit for around 10 years from graduation, they'll forgive student debts. That's all me.