I am so clueless about applying postgrad school. Thus, I have few concerns about them. but first of all, I have planned to apply the following school: University of Washington at Seattle PhD Maths UC San Diego PhD Maths UC berkeley PhD Applied Maths UC Los Angeles PhD Maths UCB M Financial Engineering Cornell M Operational Research NYU M Maths in Finance U Chicago M Financial Maths University of Texas at Austin PhD Applied Maths UT Austin MA Actuarial SMU M Operations Research UTD PhD Applied Maths my first question is that regardless what school I apply, what kind of student is easier to have tuition waived? PhD or Master? I ask this question because tuition is my major impediment. The bottom line of this is that as long as I can get a job afterward, then I dont care how much time I put in my degree. the next question is that which is the most promising school and degree in term of future career. Not that I am money-sucking animal, but I need money for supporting my family and my further dream . third question: I am very interested into variational principle, and I also like tensor, and differential geometry. What school out there has a strong research group in that? forth question: I am a Texas resident currently, would the rate of tuition differ if I apply out-of-state school as Master or PhD? fifth question: I am considering SMU and UTD as back-up school. Are they appropriate to be considered? sixth question: According to my plan, I will take all possible classes for Applied Maths and Stat degree. What is a better title for job purpose? What about further educational purpose If I choose one, does that move eliminate my choise of type of job? seventh question: Beside school in Texas, what school on my list have the best cost with respect to its quality? last question: What do I need to prepare for application? I can only think of Statement of Purpose, GRE, GRE Subject, Application, Transcript, and Recommandation Letters. I am one of the first to go to college in my family. I want to make things prefect so that later I can be helpful to my other family member. I rather be a good role model than a bad one. If anyone has answer to any of those questions, I strongly appriciate that!!