Hi Terry,
My point is that you can become over qualified. Many employers will not hire you if you are overqualified for a position. They feel like you will stick around until you find something better. So unless you are going into research or a goverment position that requires a higher degree or you plan on teaching, arbitrarily making a decision to go back to school for a higher degree may make you less marketable and just put you deeper in debt. If those are your goals then best wishes…
s.