I'm studying an MSc full-time, working a shitty minimum-wage job part-time to make just enough money to meet rent and grocery costs. I'm pretty fed up with having to be so careful with money, especially as I have student loans from government and family to pay off. I therefore feel feel that, at 22, I should 'grow up' and look for a permanent and stable career after I graduate. Right now I have three options:

a) Follow my interests and try to get a job directly related to my MSc. Will involve taking out further loans for professional development over the next few years, and eventually progressing to a decent but unspectacular salary (~£25-35k)

b) Switch to a career where I can apply what I've learned to business. Good immediate starting salary (~£25k) and opportunity to progress to a very comfortable income (~£50k+). However it's not quite as interesting as (a), and I'd pretty much be tying myself down to the office life for the foreseeable future in a part of the country I don't really want to live in.

c) Follow my heart and spend the next few years travelling, taking whatever job would allow me to spend a few months in one place before moving on to the next. Would make me happy, but I'd disappoint family by not paying back debt, and my loans from the government would gain even more interest. I'd probably just be putting off the inevitable for even longer.

What should I do? The only option that really seems to make sense is (b), but I don't know whether it would make me happy. Is it just part of growing up to make sensible choices rather than selfish ones?