<human>: Condense the text into a few key points

I'm a medical professional in residency trying to plan when I want to pursue an online MPH degree (~$60k over the course of 3 years) which will be necessary in helping me secure a particular job in academia in the near future. I have no other debts and a projected salaried income (plus benefits) around $100-120k starting next year, so I am trying to do three things:

* save for retirement (currently maxed Roth for 2015 and 2016)
* save for the 20% dp on a house (already about 50% there)
* finance this online degree

Assuming I qualify for some scholarships reducing the total cost to $40-50k, I want to know what is the best financial decision. I could very well budget for the ~$20k per year tuition and just pay as I go. This is an online program so I would still be working full time and accrue no additional living expenses. 

However, there are loan repayment programs available (NIH) that will pay up to $30k direct loan repayment (divided into quarterly payments). Some state programs exist as well, but funding is limited. I might have to wait until I finish a current scholarship obligation to receive the funding. Thus, I would take out loans and interest would accrue for a couple of years before loan repayment began. 

Tuition increases about 3-5% annually, so the longer I wait the principal increases. Assuming I take out unsubsidized loans, should I just finance part and pay the interest and let the NIH pay the rest once eligible? Or should I wait to begin the program, let tuition increase a few grand, and have the NIH pay my loans directly (quarterly) when eligible and finance the rest?
<bot>: Is it better just to budget the $60k over three years on $100-120k salary, or try to find the sweet spot for a loan repayment opportunity?