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Hey TheCrow--I meant a PhD in Psychology. My father in law argues that its a few more years of education but I will make the investment back via increased income in the long term. Then again, I know that I want to be a school social worker and I suspect that a PhD will makeme overqualified for the position.

Thanks for the advice guys. I learned that Rutgers is 27k / year out of state and doesn't offer merit or need based scholarships which basically makes it prohibitively expensive for me. I'm leaning towards YU right now, which offered the best scholarships, but I'm thinking about placing a deposit and deferring for a year so that I can reapply to Hunter. I want to be a school social worker. Does it make a difference in that field if I get my MSW from YU, NYU, or Hunter? Thank you!

Dear GradCafe community, I'm currently torn between YU (23k/year after scholarship) and NYU (25k/year after scholarship). Does anyone have any thoughts on how these schools stack up? I would ultimately like to work as a school social worker if that factors in. Finally, I am very seriously considering placing a deposit for one program and deferring for a year so that I can reapply to Hunter. If they accepted me, I would save approximately 13k/year, which is a huge sum of money. Between now and the reapplication I can continue volunteering, gaining experience, and I can even take the GREs to bolster my application. My father in law encouraged me to apply to PhD programs in the interim as well, though I'm skeptical about the likelihood of acceptance. Any advice would be greatly appreciated!

Dear GradCafe community, I'm very grateful to have received acceptance letters from Rutgers, NYU, and Columbia. I'm still waiting to hear back from YU and Fordham. Hunter rejected me *shakes fist angrily.* At the moment, I'm really favoring Rutgers for a very simple reason: it's incredibly inexpensive. Has anyone here attended Rutgers? I would love to hear a first hand account. I will probably practice in New York (does that make Rutgers less attractive?). I want to concentrate on direct practice in my studies and intend to become a school social worker. Is Rutgers a good fit for that trajectory? Finally, my mom is encouraging me to defer for a year, take the GREs, and apply for PhD programs in the interim. My father in law said that I won't earn income for an additional 3-4 years but I'll earn the money back in the long run. Any thoughts on the pros/cons? Thanks!