

Actuary of 3.5 years - entry level is also tough in this field. If you have no exams passed, you’ll probably need at least 2 to be considered for an opening. Your CS degree may count at some places but not others, although I’ve seen more openings accept them these days so the trend is in your favor. If you started studying hardcore now, I’d expect you to pass 2 exams by next spring. If you’re interested in the field, I’d recommend trying to also apply to actuarial internships since nearly all are well paid, include room and board, and lead to employment opportunities.
I have plenty of colleagues with their master’s degree - some went back to get a math related degree for actuarial roles, and some finished exams and just wanted more money when they switched companies (already employed as actuaries). The latter usually focus on data related degrees as the market aggressively hunts for folks who can pass new technical skills/knowledge onto their team of juniors.
If you can swing the master’s degree with your personal tolerance for debt, I think it’s a viable option. However, I’d aggressively study for exam P and FM to get at least one passed by the middle of fall semester so you’ll be ready to apply for summer internships. If you snag one, you may be able to work part time during your final 2 semesters if you prove yourself valuable enough.
Also, a huge topic in actuarial science is proving you met regulatory standards, and I presume you’re very familiar with git and/or other VCS, which can be a useful skill (include on your resume).