In a lot of fields it is easier to get an entry level position, especially in today's economy, without having a graduate degree. BA starting salary is lower then a MA or equivalent, which makes it easier to employ you.
I interview and recommend candidates for my school district, and currently am under instructions to only seriously consider those with a BA/BS.
There are many industries that are similar.
Obviously, if you want to pursue a career in law/medicine/etc. you need to get an advanced degree even to qualify for the minimum entry positions in that field.
Another thing to consider is that many top graduate schools in most programs (including MBA, MD, JD, etc.) give great consideration to older candidates who have work experience in a related field. If you have such experience your chances of getting into a top program are far greater than most 22 year olds coming straight from undergraduate programs.
It all really depends on what you plan to do, and what your options are. For many undergrads it is advantageous to go into the work force and gain experience rather than proceed directly to graduate work.
Also, when I was an undergrad I always took summer classes...I never once referred to it as "summer school"---though I guess it is. The term "summer school" is permanently associated with remedial forced classes for failure during the regular term in American English. I always took "summer semester courses."
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