Echo,
It sounds like you have a temptation with a big dollar sign attached to it.
That said, I understand completely when you say that you'd want to go to school when you have genuine interest. I've finished my BA, but am thinking about going to grad school because it seems that when you're a certain age, you should go. I, too, have no burning desire to learn anything there yet... and so... I'm not going. I'm satisfied with this choice. What choice would most satisfy you right now? In a year or two?