Thanks for all the advice guys . I ended up choosing one of the PhD programs, as I realized that one program was pretty ideal for my future goals, and it is actually much more funded than I thought--I will be only around 10K in debt, which I will be able to pay off. I think I wasn't so happy about the programs while writing the initial post because I had just found out I was rejected from my (fully funded) top choice, which really hurt. I am now looking forward to my phd program and think I will get even better clinical experience than I would have at my top choice, so I guess it all worked out for the best!