Dr. Beth, I am a 22 year old guy and I am graduating from college in May. I am studying Natural Resource Management and hope to eventually be in a leadership position in my field (I know I have a long way to go!).  Even though my parents helped me financially, I am still coming out of my undergraduate education with $17,000 of debt.  My dilemma is that I really want to go to graduate school but I will have to foot that bill myself and I am afraid of accumulating a huge debt.  Should I work for a while and then go to grad school or just go for it?  How to do I decide?