Janaki @ This is indeed a great decision taken by you to opt for the further studies. Knowledge brings the wisdom and thus makes a person enables to take the more appropriate decisions in his/her life. I see the decision you've taken is correct but the route which you are taking is NOT really right; maybe it seems to you right, but it's not really.
Legally it's NOT a husband's duty to sponsor his wife's education but morally it's.
As very rightly said by Laird Forbes, "Educate a man and you educate an Individual... Educate a woman and you educate a nation." So it's very important to help a woman in getting the right education.
My understanding is that your husband's earning is not sufficient enough to allow him to pay for your education. It could be that he is bounded with a lot more responsibilities than other individuals, which he wants to complete it beforehand.
In India, there are many ways to opt for the higher education. If you are looking for some technical courses through reputed universities then go for GATE exams which could help you to gain scholarship. If you are looking for some non-technical programs from reputed universities, I would say go for the GMAT, CAT or XAT exam which could again help you to gain the scholarship.
If program which you are trying to pursue does not fall under any of these categories, you can avail the education loan which is provided in a very discounted rate from local banks.
If nothing works then you can write to the university counselor and seek his/her assistance in your case.
I hope this helps. Thanks!
Mango