Re: Master's Programs
There are master's programs that focus on experimental psychology (not just coursework) and also fund students with TA/RAships just like PhD programs (See Wake Forest and William and Mary programs). Coming out of one of those programs you are more likely to get a good offer, and they usually have high rates of acceptance to top PhD programs. The coursework also tends to transfer, but that varies by what program you apply and get accepted into. If you are serious about getting a PhD in psychology, these types of programs will help you get where you need to be, and most likely can spring-board you into a better program than you would've gotten into the first time around.