I have a bachelors degree in physics and I want to receive an MS before I move on to a PhD. I don't think I' ready to commit the time and effort to a Doctorate, but I do want to live abroad and study physics for a Masters. I would like to do it outside the US, but I would settle for a domestic degree as well. According to a friend of mine, generally you are expected to pay for the MS, whereas you get funding for the PhD. Is this true across the board? If I can't get a stipend, then I would probably just forego the MS and go straight to the PhD when I think I'm ready. Also, is there a website where I can check stipend rewards by school?