So rather than give my life's story, I'll make it relatively short. I got my BS in Physics last year, and am currently working on my MS in Astronautical Engineering at a top 10 engineering school. I will be done in December, and lately I have been thinking about getting my PhD in Astrophysics. I was wondering what my chances are of being accepted to such a program. My undergrad GPA was a 3.0 (about a 3.2 in physics courses), and I anticipate having a 3.3 or 3.4 from my master's program when I am done. I am not looking to get into an elite school or anything, but I do want to find a school that has research interests in cosmology. Being that my GPA isn't stellar, what are my chances at being accepted to a decent school for PhD? Also, do all PhD's usually get fully funded? I have 100K in student loans so if I have to dish out any more $$ the whole idea is out the window. Would I have to get my masters in physics first, and would I be funded during this time, or only when the actual PhD work started? Lastly, can anyone recommend any schools that have cosmology focused research, and rank where it stands in terms of difficulty of admission? THanks for any help you can give me guys!