Well, my senior year is fast approaching and I'm not putting aside the decisions I need to make at the last minute. I have a year left for my Bachelor's of Science in Mathematics. I would like to go to Graduate School, but part-time. Here's why I think it would be good for me and you make a notion on whatever you like. I'm here to listen to opinions hopefully more constructive advice. So, before going to university I went to a community college. I went for 2 years in an Accounting program, but did not get a diploma because I transferred before completing my third year. I went into Mathematics at the local university. Anyways, so technically, I'm really close to obtaining a Level 4 CGA (Certified General Accountant). I never knew this, but I looked into it because as graduate school kept getting closer and closer, I just felt uncomfortable knowing how I will most likely be living under the poverty line for quite a while, and might even have a relative debt load. Another thing is that, after work with professors and seeing how money is raised, I personally dislike it. Writing proposals for grants and all that crap, like seriously. So, how will I continue my Mathematics career? I was thinking of going part-time so that way I will have access to materials, professors, and other graduate students to learn with. Sure getting my Master's might take an extra few years, but atleast I won't be dead broke. Because if I go this route, I can get my CGA, CFP (Certified Financial Planner), Accounting Diploma (3 courses left for the 2-year diplomae and 6 left for the 3 year diploma), and after my CGA I'll be like 2 or so courses away from my Bachelor's of Commerce at another university. (I would need to do courses there to complete my CGA in turn they applie for the degree too). With all these credentials that I can obtain in just 3 years from now and fully completed in like say 4 years or less, my opportunities for employment will explode in the finance/banking/accounting/business industry. I could be making atleast $45k right after I'm done school to $60k and higher after just 6-12 months of school. Those are more conservative estimates too since it's better to underestimate than to overestimate future income. Or, I can opt out for $20k a year or maybe a bit less as a graduate student. That just doesn't seem practical at all. And, my college courses may not transfer for a CGA designation in the future leaving me more screwed to getting quick employment. Employment in the business industry is everywhere, or atleast it is in Canada. Plus, once my Master's is done and if I managed my money properly (which is a must in the finance industry), I will have money saved up to go for my Ph.D if I wanted too. So, realistically I would say in 5 years (4 years after school) route 1 will give me... 1 Graduate Degree (maybe just not sure how long a part-time Master's takes) 2 Undergraduate Degrees 1 Diploma Atleast 2 professional designations And money in the bank Route 2 Ph.D 1 Graduate Degree 1 Undergraduate Degree ?Money? Of course, assuming all goes well. Anyways, what do you think? PS. I hate debt. Most people do, but most drive themselves deeper into debt to buy toys. I don't do that.