Hi I'm not new to the forums and a long time lurker. I've currently been teaching College level Physics since graduating from my BSc in Physics 5 years ago. When an Uni, I was unsure of myself and what I wanted to do in the future, and with very little work and effort (with was all due to my immaturity as a student) I somehow managed to get a 2:2. Now, over the last few years, and due to the high pressures of my job, I've become a lot more responsible, and want to undertake a phd. I know this may be difficult with a 2:2 BSc, but surely some admissions staff can take into consideration what I've been up to the last few years. I really don't want to do a MSc first, but this has been told to me as advice in the past. There is a second problem - money. I'm currently on a respectable salary, how on Earth (should I ever be accepted) deal with the huge pay cut? Any advice or ideas is much appreciated.