Ok, I am completely baffled and have asked all those that I know these questions and have recieved a lot of vague or "I don't know" answers, so I'm going to try them here. First off, I am a 28 year old mother of 2 with a husband. Secondly, I live in the state of PA, but may or may not end up working in the state of MD. My ultimate goal is to work with families and the changes in family dynamics that occur when somebody within the family becomes terminally ill, or those of a similar situation. (People who's family dynamic have shifted abruptly due to unforseen circumstances that will have a long term effect on the family and its members). I would like to do private practice, and possibly work with private pay clients only, I'm not sure I want to get involved in all the insurance nonsense (I did medical billing for 10 years, ugh). If I were unable to persue this course, I would look into teaching positions. I graduated from Ashford University with a 3.68 GPA with a Bachelor of Arts in Psych. Currently I am on my third class at Grand Canyon Univerisity online and I am enrolled in their Counseling Psychology Masters program, I have an A in my current course and A's in both previous courses. Here are my questions: 1. APA verses non APA schools offering PhD programs. The only two schools near me are Loyolla and Penn State which offer APA programs, they are both atleast 45 minutes drive and run a traditional program, I have a family so that probably would not work. Are schools like Capella, Walden, Chicago School, North Central etc which are all predominantly or entirely online (and while regionally accreddited but not APA accredditted) an option for me? Will it hinder my ability to get the job I desire? 2. I was just informed by some co-workers that I could skip the masters level entirely and go directly for my PhD, is that so? Is it more beneficial to do this? 3. Suppose I keep in the masters program, recieve my license to practice through my masters, and later attain an unaccredditted APA PhD, would that make a difference? What I want is to be a "Psychologist" , I want to have more client oriented than research oriented purposes. I want to help people, but I am looking to do private pay, or possibly teach. I want the highest income possible for a person in my state, in my current situation with my current goals and the options before me. SOOOOO...that being said, should I go for a PhD, should I skip my masters? Should I stick with my masters? Any guidance would be beneficial, any advice highly appreciated and valued. I am at a loss for a direction and I am looking for guidance. Thank you!