My dear friend, I am so glad that I have such a chance to have a heart-to-heart talk with you.
To be honest, I still feel regretful that I didn't choose to continue postgraduate education, since I was always an industrious student in school and I truly love the atmosphere in school and always want to get more knowledge. This doesn't mean postgraduate education is good enough and suitable to everyone, I just want to show that enriching my knowledge is my interest. Then you will know where you should start from when you consider.
First and foremost, you should make clear what your interest is. People often have different attitudes towards the postgraduate education. Some do think it too monotonous and dull just from the theoretical study and they are too desirous to plunge into a practical job. However, some do like the campus life even full of abundant books and examinations to cope with. So, now what do you prefer to do?
Besides, you couldn't neglect your financial situation. Everybody knows we will continue to lie on our family to provide us with the money we needed to the postgraduate education. If the situation isn't so optimistic but you still love to continue your study, perhaps you'd better get the money in your way since we are all adults.
Last but least, working is quite different from study but you still can get more from it, and even you can continue the study you interested in if you can put them in the best balance. It will give another kind of happiness so long as you love it with all your heart.
My dear girl, I do hope some of my words will give you a real suggestion and help you to get the final decision. That's the best thing if it can. Give my best wishes to you forever.