Here's my $.02. First off, you need to decide whether you are "ready to go" or not. If you still have technical work to do, or need the kinds of experience you can get in grad school, then that should be your option. Even if you don't, grad school might be for you for financial reasons, etc. For example, you can get assistantships and financial aid at grad school that are (of course) not available if you just study privately.
Also, I encourage everyone to think about their entire career. At some point you wil probably stop singing full-time and want to teach. At that point you will really need to have at least a master's degree. It will be a lot easier to start one now when the theory, music history, etc. are fresh in your mind. Believe me, I have seen lots of grad students who have been out for a while, and they have forgotten almost everything!
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