Best advice I received while in undergrad: "Don't go to law school unless you're sure" "Don't get a PhD unless you're sure" So I got a Master's instead. But just 2 years and $25k in debt worked out a lot better than either of those.

My sister in law jumped the pond and got a masters in Sweden and it really made me reevaluate what I put myself through with masters/phd in the states