It will depend in your undergrad, but if you are failing with masters why pursude Phd? but it's better to do everything you can not to fail your masters, so you can proceed with PHd without any problem.
I had debt for 6 months because of some emergency now I am debt free. I don't want to struggle again thinking of paying some debt every month. What I learned never take loan if it's no emergency. If you can pay it in cash just do it instead. Debt free gives so much free!
In this age of world, I think we will be having different perspective about education because everything can be learn through internet and maybe they will think it's a waste of time to go to school. But, if you have a chance to go school try grabbing it. Because, not everyone have the...