Hello,
I was in exactly your position a few years ago- I was deciding whether or not to go into an MS in Clinical Psychology Program or a Psyd. I knew the Psyd route would be shorter but thought of the MS program as possibly having a delayed gratification effect. I knew I was going to need to go the MS route first if I wanted a phd because I went to a small school for undergrad and had few connections for research experience. I also got offered funding during my MS degree working as an RA, which I knew would really help my vita. I also asked myself if that particular psyd program is the place I want to earn my doctorate (regardless of phd or psyd) or would I be I picking it because of a lack choices and to go ahead and "get started". In the end, I elected to get my MS degree. I did this for the experience and because it was funded. As you will see from previous threads.. ..it is what you do during your masters program that matters (i.e. did you present at conferences, publish papers, get good clinical experience). I was accepted into a phd program after earning my MS but would be happy with the choice I made several years ago regardless. Even if I had not gone on, I could get licensed as a counselor, do clinical work, and be free not to worry about paying back lots of student loan debt.
You may not realize it but you actually have 3 choices- 3. not to enroll in a program at all this year, rack up some research experience in a lab, and apply again next year. But I have limited information about your situation so I am not sure what is best for you (How expensive are these programs, what is your background, and I do not know CUA...). My only real advice I can give you is that if you go the MA route you really need to do the extra stuff regardless of whether or not you want to go on (i.e. research). I know in my MS program (and I have seen others on here say it) there were individuals who just thought taking the required courses was enough to apply for a doctorate after we finished. They eventually realized that having an extra degree on your vita does not guarantee you an in.