I am graduating in may with my BA in psychology. I am looking for a combo MA/PhD program in psychology or cognitive psychology if there is any. I know vast deadlines for grad school apps for fall 2013 are this december, therefore I am trying to find a school asap. I have found few but they are not in NJ or NY district. Although I have princeton in mind, however I need some backups(doesnt have to be ivy league school but am searching for good schools that specializes in psychology. Also, I read in few threads that if I do the combo MA/PhD, I will get my money refunded. Is this true? I also would like to know if it will be worth it. Thank you in advance !