I'm international student who got accepted to one of Stanford's masters programs, and also to several of the PhD programs from second-tier ed schools. Stanford offers $10,000 fellowship and PhDs offer full funding, and I can't decide which to go -- I want to be ultimately a univ professor so I need a PhD, but getting PhD from Stanford would be better than other schools I got accepted into and I dreamed of getting PhD from Stanford. However, if I take Stanford I need to rely on loan ($60,000) and I'm not sure if the masters degree from Stanford is worth that much money. I'm pursuing educational technology research, so Stanford is attractive, but I also have my wife and small child so I care about money issue a lot. Anyone please give me advice?