Hard

I don't like doing down posts, but right now it's hard to be positive.
I applied for a grant that I needed very very VERY badly for tuition help next year, and I didn't get it. I'm stuck in a place that I have no idea how to fix- I only have a year left for my Master's, but if I don't get grants or TA-ships or anything of help, I can't afford to go over $10,000 into debt for my last year. Transferring elsewhere might solve it if I get a TA-ship, but that would take a year- the year that I would finish my Master's in. Applying to PhD programs is something I need to do too, which I would start doing in the fall (the same time I would put in a transfer).
I don't know what to do. Either way I'm screwed. Either I stay in school and go into debt to finish my Master's before going to get my PhD (where I won't be able to pay it off very well or quickly) or I quit the program halfway through and work as much if not more than this year to save up while applying for a transfer or a Master's/PhD program after wasting a year and a lot of money.
It's Catch-22, only it's not funny.