I have spoken to a number of people applying to grad school right now out of fear and desperation and lack of any apparent alternatives. I get it, I really do. But grad school is not a solution to your current or future problems.
Not saying grad school is wrong for everyone. Saying grad school is wrong for you if this is the reason you’re applying.
I need to go back into the hundreds of responses from when I wrote about student debt: PhDs with more than 100k in debt, trying to make ends meet adjuncting or outside of the academia, no savings, struggling to find childcare or financially unable to have kids
Here are some of them, just to start: https://www.buzzfeednews.com/article/annehelenpetersen/student-debt-college-public-service-loan-forgiveness