Question - I am going to go after a PhD once I finish my Master's, but my Master's program will end next fall (Dec 08) and I cannot begin the PhD program until the Fall of '09. Soooo... in order to avoid student loan debt, I was either going to try to do either a graduate certificate program over the spring/summer, or I was going to try and get a graduate fellowship.

Any experience in either? Recommendations? How difficult is it to get a graduate fellowship?

Thanks,

SD