Not sure where to go for graduate school

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If I decided to do an MSW in social work at Hunter College in the clinical track and then go for a Clinical or Counseling Psychology PhD afterwards would that be better than going from an Mental Health Counseling Program to a Clinical Psychology or Counseling Psychology PhD? I mentioned how I can transfer the credits from Fordham's mental health counseling program to their Counseling Psychology PhD. I can also apply to their Clinical Psychology PhD program. Would doing my masters there instead of a different school boost my chances? Hunter's MSW is the cheaper program with a tuition of only $30,000. Meanwhile, the tuition for Fordham is roughly $97,000. I'd be able to do an assistantship for 6 hours a week and I'd have to take 12-15 credits for $4-5k tuition remission, but overall that would still leave $57,000 to pay off. I can also choose St. John's Mental Health Counseling program where it's CACREP accredited and it has an optional CASAC training. The tuition is $88,000 and I'm only getting $12,000 in total for financial support from them which would make the tuition $76,000. I can also do an assistantship here to cover the rest of the tuition. So what should I do?

 

I was considering the School Psychology PsyD program I was admitted to at St. John's, which is 5 years and I could get a full tuition remission assistantship possibly but now I'm thinking that going for Clinical Psychology or Counseling Psychology may be better. Please help. Thank you all.