I just graduated with bachelors' in computer science and mathematics from a small, unknown liberal arts school. My GPA was 4.0, my GRE was Q: 164, V: 160, A: 4.0, and I only ended up with a semester of supervised research (didn't publish anything). I believe I would receive great recommendations, but from professors unknown to adcomms, and only one that would speak heavily to my research potential.
I am interested in pursuing a Ph.D. However, I realize that with my background and experience, top Ph.D. programs would likely be out of reach. Ideally, I would like to end up in a top 20 Ph.D. program, but it may not be worth it do what is required to achieve that goal. From what I've read, the experience from a master's program would be the best way to get from where I'm at to a top 20 Ph.D. program, but I would almost definitely be paying for that master's. What are your thoughts? Is it worth it to pay the price of a master's tuition to get into a better Ph.D. program? Or should I do the best I can with my current credentials?
I realize this isn't a yes or no question. I would just like to hear your thoughts on the issue. Thank you for your help!