Looking for Advice- Microbiology PhD

How would you otherwise support yourself if you attended that masters program? If it would require that you take out loans, it’s better for you to get one of those jobs that just requires a BSc, and try to get research experience as well. If you can also work and support yourself during those years, or you have another source of support, doing the masters may be a good a idea. You may also try to see about working in a lab at a university as a technician. It doesn’t pay well, but you would likely have more opportunities to do more than basic technical work.

As for your undergrad college - if it is a liberal arts college, it generally does not need to be known specifically for science. LACs generally have very good reputations in academia.