I applied to 6 Clinical Psych PhD programs this year (my first year doing so, and I was pretty rushed/lost throughout most of the process!), got interviews at 2, and have been accepted to both. Both are ranked ~150 in the US News & World Report for Clinical Psych PhD programs. I'm thrilled to have been accepted this cycle as I know how impossibly competitive these programs are, but a part of me is wondering if it's worth it to attend a lower ranked school with a hefty tuition fee, versus strengthen my application this year and try again for better, fully-funded programs for Fall 2018 instead.
I think I have competitive stats besides my GPA (was a science major in college and physics/chem killed me, ending up with a 3.3 cumulative gpa. If you count just my psych classes, which I minored in, it's more like 3.8), and GRE (got 80th percentile for both verbal/quant). I have 3 years of research experience, including 2 years as a full-time RA at a prestigious university and 1 year undergrad. I have 7 publications/poster presentations, and am first author on 1 paper and 1 poster. I also recently received my master's, which I did well in, and have at least 2 excellent LORs. Maybe I'm overestimating my stats though-- can excellent research experience and a master's overshadow a less than average undergrad GPA?
So I have a few questions. What are the actual, real-world implications of attending a lower ranked, unfunded PhD program, if any? Is it harder to get an internship/externship(s)? What about career prospects? I'm planning on going into neuropsych, which has more growth than other clinical psych fields, but also more competition. Is it too risky to decide not to attend one of these programs this year and try again next year? Is it possible to defer programs (assuming this depends on school, but wondering if this is even possible)?! It would be ideal to attend a fully-funded program, obviously, but am I crazy for trying to pursue that uncertainty for another year, when I could already be attending another program??
I'm also going to be 26 in a couple months, so definitely not getting any younger. I know this shouldn't be a big factor in my decision making process but I want to start a family eventually, and as a woman doing so while still in grad school seems kind of insane!
Thanks in advance. Any input is appreciated!