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What to do?

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I got rejected from all my schools except one, and also didn't receive significant funding for the one I got accepted to. All in all it will cost around $150,000 for my Ph.D. Should I wait a year and reapply to other schools in the hope that I get in or bite the bullet and incur the debt to get my doctorate. Really having a tough time deciding.

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That's a massive amount of debt and could really cripple the choices you make for the rest of your life (e.g. whether you can ever buy a house, take time off to have kids etc). Sit down with a calculator and work out how much you will have to pay each month, compared to the average salary in your field. 

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