Need advice before I attend school

Hi! Graduated from NYU at 21 with Bachelors in English and minored in Philosophy debt free

Plan to go all the way and either attend law school or get a PhD

Unlikely to be able to go straight from BA->PhD due to competition and lack of options in my area which is bioethics, in which case I would attain a Masters first and accrue about 120k in debt

Law school all said and done would likely put me into 300k in debt

My dream job is to enter into Clinical Ethics and sit on an Ethics board before becoming a professor

I estimate my PhD stipend will be 40-50k yearly

It is my understanding I could qualify for PSLF in both pathways potentially, but I’m looking for advice about the smartest thing to do, even if not PSLF. I’m also worried about the program ending.

Any advice is greatly appreciated!