I should note that there are potential negative effects from very low or indeed negative interest rates, not least of which is that they create problems for defined-benefit pension funds which have to provide cover for ageing populations while many of these funds face the risk of underfunding.
Others may decide to work for a few years and then make a choice about graduate studies once you know more about what kind of job is likely to be most appealing and hopefully have made a dent in your student debt.