Just graduated with nothing lined up.

I’m an international student who has just graduated from a UK semi-target university with a 2:1 in Accounting & Finance and, at the moment, I have nothing lined up. Because of my visa status my options are limited: I can stay on a Graduate Visa—which gives me two years of unrestricted full-time work & stay —or I need an employer to sponsor a Skilled Worker visa. My original plan was to use the Graduate Visa window to keep recruiting for off-cycle and graduate analyst roles until I landed something that could sponsor me, but to satisfy my family I also applied for a master’s at my current university and have now received an offer. My family are adamant that I should take it; they’re fairly traditional and see a master’s as a ticket to being “instantly hireable,” whereas I see it as an expensive step with questionable return, especially since my school is a semi-target at undergraduate level but a non-target for postgraduate, and many reports suggest even top-ranked master’s programmes don’t place that well into IB. I’m worried a non-target master’s could actually hurt my CV: so far I’ve built a decent profile—summer internship at a top-three BB in Wealth Management and stints at regional M&A boutiques—but interviews remain scarce, and adding a non-target credential might make breaking in even tougher. I tried compromising by proposing a gap year followed by a master’s, but my family doesn’t like that idea, and I also hate the thought of wasting my one-time Graduate Visa by switching back to a student visa only to be in the same recruiting grind a year later. Even if I re-applied and got into a top master’s, there’s no guarantee a bank would sponsor me straight out of the programme. On the flip side, I’m eyeing deferred-enrolment MBA programmes in the US and could use my time at postgrad to prep for the GRE, but that still doesn’t solve the immediate job-search problem. So, is taking a non-target master’s worth it, or is it smarter to use the Graduate Visa, keep grinding for roles, and treat a master’s as a Plan B to avoid deportation? Any insight on how hiring managers actually view a non-target master’s versus an extra year of full-time recruiting would be hugely appreciated.