Thank you so much for your reply -- that's very helpful. After recent meetings with one of my advisors, I've decided I'm going to take time off after graduation, maybe work at an entry level job or in restaurants, and then apply to PhD programs next fall. I received candid advice to forgo a Masters program and apply directly to PhD programs, as I am writing a thesis that can be used in lieu of a Masters thesis. I also want to try to avoid acquiring debt, so a funded program is my preferred option. If you don't mind my asking, what PhD program are you in and how are you liking it so far?