Cannabis... thanks.... I replied to your comments..

Axara... I am not going to take that $7/hr J1, but the consultant was quite forthright in first meeting itself. Otherwise I was thinking seriously about that.

GwanchAquarian... There are different schools of thoughts on PhD I guess. One is that if you complete PhD and start job (I guess in big company in US) you will get promoted higher than just with MS.

Sheetalb... Actually I was looking for jobs in India. I have undergraduate degree from reputed college in India. However I am not in IT so those companies may not have position for me. However maybe just applying online, no one is going to notice you.

NO quiero..... I am really surprised that any department will cover tuition fee and not pay stipend fro PhD... (but look at my case they are not even paying tuition). I will just say write to the department you have applied. Apply to  other universities as well.

Thanks all again guys.

bkb