GradSchoolStudent

Hi all, I'm in an interesting situation and I need some advice. I was accepted into a master's degree from my top choice school with some funding, but I would have had to go into a lot of debt. I was also accepted into a really good school for a PhD program that is fully funded. Ultimately, I want to get my PhD, but I think I made the wrong decision. I accepted the PhD program because of the money, but I don't think I'll be happy there. I want to call my top choice school back and see if they'll give me my spot back and then I can apply to their PhD later. I really really want to go to this school, but I don't know what to do. Should I call them, or should I stick around at this PhD program and transfer later? I know that is hard to do, though. Any advice??