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in august i'll be beginning an MFA program in creative writing...so yeah, i understand the conundrum. my best advice? if you're worried about money, look at the schools and what they offer...see if you can get a fellowship based on your talent. they're highly competitive, but if you're talented you'll get something. speaking from the MFA perspective, there are tons of things you can do with an MFA besides teach and write--i swear! you can work at a magazine, a publishing house, a theatre company...there are many more places. OH--you can also teach at college level with an MFA in many places--both writing classes and english classes if you have the right concentrations. also, if you get an MFA, you can also go on to doctoral work...and might actually be favored over someone with an MA, if you play your cards right.
are you a writer, or a researcher?
my best friend is going the doctorate route--she's into the research and works-about-works thing. she's also a hell of a writer, but doesn't want to persue that, and will be completely happy, waist-deep in commentaries. my favorite english professor, though, complained all the time about not having time to write what she wanted because of the pressure to publish academic works and all the papers she had to grade. it's a tossup. decide what will work for you.
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