apply to grad school

I had a goal last year that I’d do research on grad schools by now, but that hasn’t happened. I still want to apply at some point in the next couple of years, but really this is something I’ve been putting off for three reasons: 1) my music is more important, 2) I’m terrified of more student loan debt, 3) I don’t feel like being on any sort of “career track”.

I have an idea of what I’d like to do once I do decide to get on that career track, but I don’t see myself doing that for a while. Am I in a rut? Or am I just avoiding becoming an adult? Both? :)