Hi everyone!
I am planning to apply to M.Litt in Philosophy in St.Andrews, and eventually gain the M.Phil. (and later Ph.D.)
However, I am concerned that I won't be accepted to M.Phil. My financial situation is not very good, and failing would mean having wasted money that I was working for for 2 years. I would have to work 1-2 years more and do a M.Phil. at another university (my other choices are twice as expensive as St.Andrews).
How difficult is it to pass to M.Phil. after doing M.Litt.? Should I better go for another university, where I can directly apply for M.Phil.? I am very doubtful at the moment, because this year I saw my friend get a distinction at UCL, however, they declined her Ph.D. application. So I feel like even if I do very well, there still is a big chance that I will not be able to proceed to the next level of studies, and there is absolutely nothing that I can do about it.
EDIT: I also would be grateful for any insight into how competitive is the masters program of Philosophy. I've read quite a lot about St.Andrews being very competitive, however, Philosophy isn't usually as desired field of study as many others are. Generally my grades are excellent, however, as many others, I was a bit lost in the first semester and got very average results in almost all of its subjects.