Thanks for the response. The reason that I want to go Chicago is because they tailor well to Wittgensteiniens-- especially to LW's later philosophy. I have a very strong background and interest in Wittgenstein, so I think their program fits me the best. I'd apply to the phd program, but I figure that I'd be better off just going to the master's program for a year and then figure out what program I want to go to from there. (The money really isn't a problem to me... at least at this time.)
My interest in CMU is that I have a lot of friends down there, and if I go to their master's program, like with Chicago, I could go through that, which would be a great experience, and then figure out what I want to do with myself.
MIT interests me because I really like Stalnaker and that their department works closely with their linguistics program-- and I like their department, as a whole, for epistemology.
-- Something that I didn't ask explicitly, but am looking for an answer for, is this: I got a C in Intro to Modern philosophy. Should I retake it, as it must look bad on an application-- especially considering that it is such a low-level class. Will having that C hurt my chances of getting into programs?