It’s important to note that with financial need, it can be wise to find a master’s degree that is also funded. This may include programs where the master’s is part of the PhD (but the best option is to have that situation AND the ability to leave at the end of the master’s). In other words, look into details. My kid got a PhD with a master’s along the way, and also had that option to leave between the two degrees. Stipend was not really enough to live on, tuition was free, and lots of teaching experience including curriculum development.
But first, a bachelor’s! And maybe exploration of job opportunities after that degree before devoting 7 more years to a doctorate that may or may not have a reliable career outcome.