Howdy all (long time lurker, finally posting).
After applying to 10 schools, I was interviewed and accepted into only one clinical psych PhD program. My dilemma is that it is 1) unfunded and 2) I'd probably graduate with a quarter million dollars in debt 5-6 years from now 3) I'm questionable about some facets of the quality of education.
I like the faculty, the interview was fantastic, and the research prospects are definitely interesting. Hell, even the idea of moving (west coast school) is a strong positive consideration. After discussing with my advisor, she strongly suggested I decline it if I don't get funding through a scholarship or fellowship. She explained to me that I am a strong applicant, and that if I apply again next year after possibly publishing some manuscripts I'm working on and boosting my GRE, I should have a better array of options. I'd have to take out a GradPlus etc. My credit is not so good (recently fallen into collections with my bank - was out of a job for awhile). Not even sure I could borrow the money (no cosign available)
What terrifies me is that if I turn this down, there won't be a future offers next year. I've seen the rejection letters I have received, where record numbers of applicants have applied for a scant number of spots. I don't see things getting "better" for me next year. I could possibly improve my GRE scores, but I'm not optimistic about this (I had more time when I studied over the summer, now that I'm working and trying to volunteer I don't see it happening). Publications are always variable, so I'm on the fence with them.
My CV in a nutshell:
GPA: Summa cum laude (honors thesis completed), BA
GRE: mediocre (1k)
Volunteer work:
Crisis Center (1+ years, I train new staff, received award for service, related with concentration of study)
2 years in mid tier university as RA (becoming more coordinator like position)
2-3 manuscripts pending publication
1 international poster presentation
1 university poster presentation
1 year top tier university as RA
1 national poster presentation pending
work with known researcher in my specialty
Currently employed with two clinical / behavioral positions (private).
I think many of you can appreciate the anxiety I'm going through regarding this. Honestly, I don't think I'm any better applicant than most. Since any change would be so negligible, I think, I don't see my status really improving.
Advice?