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human
Funded PhD offer - should I accept it?

I have been offered a fully funded PhD (humanities, in the UK) and just spent a whole day (and a sleepless night) pondering whether I should accept it or not. I would really appreciate any advice! Basically:

I have always planned to do a PhD at some point, but "at some point" is key here. I am currently finishing my MSc and planned to take a break from studying to pursue my professional career. My industry is extremely competitive but I am currently quite well equipped to get into an entry level position (I have done several internships, have good networks etc.). My main (only?) PhD-related worry is that dedicating three years to a PhD would harm my professional career - in three years I could have already moved on to a better paid managing position. Instead, by the end of it, I will be 29 with very limited industry experience.

However. As I mentioned, a PhD is something that I have always wanted to do - I thrive in academia, enjoy research and I know that at some point I would want to do it for my personal development. I applied for this studentship despite the timing because this is such an incredible opportunity, with full funding (tuition and maintenance) and a really unique and interesting research question. The project involves some professional work at amazing companies, and the topic pretty much aligns perfectly with my personal interests. I knew that I would regret it if I hadn't tried, but it was so competitive that I never expected to actually get the place (hello, impostor syndrome).

So I suppose the question is, what do you think would be the best decision in my circumstances? Do I accept the offer and take those three years out of my professional career (assuming that I would get a job soon), or do I leave it and wait for another opportunity in the future? Any thoughts would be so appreciated!

*EDIT*: Thank you so much for your comments, everyone! This thread has been so encouraging. After reading through it and speaking to my friends and family some more, I have to say that I am leaning towards accepting the offer. I will still take some more time to think that through but I've actually allowed myself to get excited about the idea of doing that PhD (and it feels great).
gpt
If you start working in industry, you'll get accustomed to career money. It is very much like an addiction. You take on things that make it very hard to go back to stipend money.

Regardless of how good the opportunity is, it *could* be your only chance to do it without suffering harshly. On the other hand, it is nice to have some money.

If you accept it, can you defer it for a year to get yourself a break from academia on the way in?

This is just food for thought, others will have better perspective.