Is Graduate Education Really Worth The Money?

Some people have told me that it isn’t worth the money, and some that it is. They say that when you graduate you have a huge debt, so even if you get a good job you are behind because you wouldn’t be able to buy a house or even a car because you would be paying the loans. Also, that the time you are in Graduate school you could be using it to gain experience and gaining seniority in whatever organization you are in. So is it really worth the money?