I went to New England Culinary Institute in Montpelier, VT for the 2 year associates degree program. It was expensive, a lot of hard work, and a lot of fun. At the time they didn't have a specialized pastry program or I would have done that. It was a great base for French cuisine, and there were two 3 week courses, one was Bakery (1st year) and the other Pastry (2nd year). I wouldn't trade the experience for the world. But I'm now back working in computers, and yes, because of the pay.
You really have to think about what you want to do once your through the program/school. I knew I wanted to work with pastries/baking, but didn't want to work in hotels. I knew I didn't want to manage people, I just wanted to keep my hands busy doing the fun stuff like decorating cakes and making cookies. And if that's the only thing you do, it just doesn't pay well. And if you're only making $10/hr and the loans start kicking in, it's hard to figure out how to pay all the bills and have enough money left over to eat, not to mention having no money for entertainment or clothes or other 'luxuries' like spare cake decorating supplies.
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I'm sure it can be done if you're frugal enough, but I decided I didn't want to worry with it. So I'm back in my first career path, and do cakes on the side when I feel like it, and that suits me just fine.
PM me if you want more 'gory' details

, I'll be happy to share anything/everything I know.