Time flies, to attend doctoral school or not is the question

Time flies, just yesterday I was thinking about having only 7 classes left for my Masters of Science concentrated in Exercise Science and Human Performance with an emphasis in Sports Psychology and Performance Enhancement & Injury Prevention. I feel like I was just start my Bachelors a few months ago.

In a blink of an eye,I went from deciding if I wanted to continue onto a masters program to thinking about doctoral school. I think I’ve officially decided to go to doctoral school.

I am currently looking at two different programs. One is for a PhD and another is for a DHSc. There are lot of benefits to going for the PhD but it will be more expensive and I will have to take out some student loans for it if I decide to proceed.

I think going to school for a PhD will be fun and challenging. What are your thoughts? Do you have a post graduate degree?