–Would like to mention that not every PhD program worth attending will be fully funded.
–Some programs do have the “on the way Masters” degree. But in the liberal arts some students go on for a non-funded Masters before applying to PhD programs to bolster their chances at top PhD programs. (My D knows a couple of people who went this route even though they were strong students undergrad).
So I would advise the OP to attempt to minimize undergraduate loans if he/she plans to pursue a PhD.
@MYOS1634 Please recognize that laying out available options is NOT advising a particular path. In fact I discouraged CC and transfer ideas by noting the difficulty of getting aid as a transfer student.