I have a 2.6 and a low GRE (149, 143, 2.5). I really need the confidence, I'm also trying to go straight to a PhD. I got my undergrad a year ago from December. A master's degree seems like a waste of debt to me and my boss agrees with me. But I'm having a hard time deciding if I should wait another year or should I just go for it. Will the application process just be a waste of time for the time being?