The Big Question: Should I Go To Grad School?

I've always wanted my masters degree. I even wanted my PhD but I didn't stick with my studies in bio so I'm not sure what it would be in if I continued down that route. I remember when working at the bank as a teller and I learned that I was the only person there with a degree. After doing a little more digging, I found out that I was the least paid person there. I had set out a goal to pay off all debt and shared that with everyone there. They'd all say, "You'll die before it all gets paid off," or Debt is normal - everyone has it. I'm not too sure about that. I believe bet can affect you mood and mental being. While I'm still uncertain about returning to school, I've decided it's smart to develop a series of side projects to experiment on. Towards the end of "Creative Confidence" by David and tom Kelly, there are some experiments they have you do to begin exercising your creative confidence.