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e.g. no PhD in Computers with a BSc in Physics, normally do a "conversion" taught+dissertation 1 year MSc in between
It's a hell of a lot of work for little reward unless you want to work in a Uni
In the old days, you could register part time for 5 years instead of full-time for 3, and the yearly fee was 10% or something. I'd take a look at what there is around Europe too.
My brother did biology degree > worked in a lab doing some sort of genetic research (which I can never really understand) > just started a PhD in the same department this year.
He was in the subject field for 4/5 years with his name cited on research papers, and had previous applications knocked back.
So doable but not easy in his case.
My understanding is that you can go to PhD without masters, but your very unlikely to get it funded.
My feedback thread is here.
My daughter went to Imperial to do a degree ,then wanted to continue and do a Masters and this led to a PHD in Entomology.
She liked insects.
My son did a Degree/Masters at Manchester. He wanted to carry on and did his PHD in Theoretical Physics.
Was at CERN for a year .He graduates in a couple of weeks time.
He loves Physics.
They both did what they loved. I didn't pressure them, but did support and guide them.
If you do what you love your brain absorbs the information, makes it a bit easier.
I helped with their accommodation and food ,spending money etc.
They both started before the fees went up.
There was a lot of stress ,it is hard work.
There's FindaPhD.com and jobs.ac.uk where funded PhD opportunities are advertised. Some of them may be part-time. 'Collaborative funding' is all the rage now so if you can get an employer to contribute a little bit that might be an option. Such a contribution doesn't have to be 50% and can involve time, use of equipment, expenses, mentoring, not just real money.
All that said a PhD is a long, hard slog and you should know why you are doing it and how you will cope with the anxieties that develop along the way before embarking on it. If you are after a qualification to enhance your career outside academia rather than after a (very uncertain) academic career then maybe a masters would be preferable (shorter, cheaper, not taking you too far away from the professional world).
Apart from that, there’s the question of time and money - generally an MSc is at least another year out of your life, and if you subsequently go on to do a PhD your potential employers are going to be taking you on the basis of the PhD rather than whatever you did before. So if you can get away without doing a Masters to get a PhD placement, do it.