Hey everyone, I'm seeking advice, and I've no idea where I should be posting this so...

I’m at a crossroads and need some genuine advice about whether pursuing a master’s degree is right for me or if I should focus on gaining more work experience. I have a few concerns, but I also see some benefits, and I’d love to hear your thoughts or personal experiences:

Concerns

Education Loan and Interest Rates:
Taking up a master’s program would require me to rely on an education loan, and I’m worried about the high interest rates and the financial burden it could create for years to come.

2 Years of Regular Classes and Potentially Outdated Syllabus:
Most master’s programs are 2 years long, and I’ve noticed that some universities teach outdated syllabi that don’t align with current industry demands.

I’ve seen people with master’s degrees struggle to find meaningful jobs.

Is It Really Worth It in the Current Market?
With the competitive job market, I wonder if 2 years in a master’s program is worth it. I’ve heard stories of people regretting their decision because they couldn’t find employment despite their degree.

Pros

While I have concerns, I also see the value in pursuing a master’s:

Networking Opportunities:
Graduate programs often provide access to a network of professors, alumni, and industry professionals, which could help in building connections.

Better Job Roles:
Many organizations prefer candidates with master’s degrees for senior or specialized roles, especially in fields like management, research, and international business.

International Recognition:
A master’s degree is often a global credential, making it easier to explore opportunities abroad.

Long-Term Career Growth:
A master’s degree could lead to better career growth and higher salary potential in the long run.

As you can tell, I’m quite conflicted, even after weighing the pros and cons of pursuing a master’s degree. The reason I’m reaching out here is that I don’t have anyone in my circle with enough experience in the industry to guide me, so I’m hoping to get advice from those who are more knowledgeable.

I'm 22m, working as a Digital Marketer handling large budgets for online advertisement for a B2B company.
and, I’ve been learning Chinese for a year and hold an HSK 2 certification. I’m aiming for HSK 4 soon.

I’d greatly appreciate your insights!!