Salam. If you have one year before you start your Masters degree program, then there is no need to leave your family to go study Islam. Stay with your family and do as much independent study about Islam as you can. Do research on your own by reading and studying. After you achieve your Masters degree, inShaAllah you can take a break and reassess your situation to decide whether you want to take hawzah classes or other educational opportunities or if you need to work to pay off debts for yourself or your family.