Mathematicians: Is it better to take out loans until I reach my PhD or stop at B.A.?

Let’s assume I will live until I’m 75.

I’m 24 years old should receive my B.A. within 2 years time. I’m pretty certain I will have to take out loans to continue my education. My question is, if I’m going to be in debt with a B.A. degree, should I just push it further and pursue a PhD? I don’t even know what kind of numbers I would be looking at (debt wise). I have a general sense that if I do receive a PhD I’ll be making triple what I would with a B.A.? What do you think? Thanks in advance.