Katie - my advice is to do the following
1. Work out the numbers. What will be the total cost of fee's & living for you to get qualified? How long will it take you to pay it off after you're done? Check out comparable salaries. Remember that while you're paying this back you wont be able to buy houses, save for retirement etc.
2. 95% of university qualifications set you up to work for other people for the rest of your life. Do you want this? (It's the one reason I never went back, because the implications from that scare me)
3a) Write down a list of your dream professions. Include stuff not uni-related. Like owning your own bar in Boston maybe? I wish I had done this. Go through these and look at lifestyle, money, cost/time to get there, competition etc. Also will you be public or private sector?
3b) Write down why you picked the options in 3a. Maybe there are crossovers. Like, if you want to help people, you could be a small business marketing consultant.
My background -
I have a BA. When I was just about done I realized I didn't like my qualification (comp sci) and would rather do economics and finance. At the time I figured I might as well go work for a few years to make sure of this, rather than simply starting my degree over and risking the same situation a few expensive years later.
Great decision. Real world experience is 1000 times more valuable than being in a classroom and I was able to pay back my debt for the BA in double-time.
I do regret a little never going back, or not getting an MBA, because I have limited opportunities to change around now. But I'm in a pretty good gig, met my wife and have a sweet lifestyle. Also I am reluctant to commit to being an employee forever.

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Loaded-Gun.com - I don't know what the hell they are talking about or why they are even there. They don't make serious points and they don't joke, but they still manage to make a lot of posts somehow.