Hey—first off, it’s great that you’re both thinking this through so carefully. I went through something similar, so hopefully this helps:
1. When to tell the program?
If she’s leaning strongly toward MS-ing out, sooner is better—ideally by early Fall 2024. It gives her and the program time to plan (e.g., coursework, thesis, funding). That said, make sure she’s confident in the decision or has a solid backup plan.
2. How to talk to the advisor without burning bridges:
Frame it around personal priorities and long-term goals, not dissatisfaction. Something like, “After much thought, I’ve realized that staying in the program long-term won’t align with my circumstances right now. I’d like to complete a Master’s and revisit the PhD at a better time.” Most advisors understand life happens—and she may even stay in touch for future recommendations or collaborations.
3. Funding implications:
Yes, programs often reassess or withdraw funding once a student switches to a terminal Master’s—especially if that wasn’t the original track. However, this depends on the institution. If she waits until Spring, she may keep funding through the academic year—but it’s a fine balance (transparency vs financial practicality).
4. Fall vs Spring?
If she plans to finish the MS by Spring/Summer 2025, letting them know by Fall 2024 allows cleaner planning. But if funding is critical, some students wait until just after Spring registration or midway through the year, depending on how their department handles it.
TL;DR:
Start laying the groundwork in early Fall.
Be honest, but positive with advisors.
Check if the coursework completed already aligns with MS requirements.
Quietly gather department policy info before officially saying anything.
And yes, funding may shift—so timing matters.
Feel free to DM if you’d like to talk specifics—wishing both of you the best!