So I just finished up a masters in math (my undergrad was in physics) and I was considering applying for physics graduate school next year. However, I recently got accepted to a physics masters program. My question is whether I should accept the offer, or apply for a doctorate program next year? Some things to consider: 1) I really feel I should be paying back some of my student loans, which could be hard to do under another masters program. 2) My undergrad GPA was only a 3.65. Would doing well in a masters program make up for this?