MA programs are great and you get to rotate around. However, there are limited slots and if you do not get into the program, it is not the end of the world/your career. I joined a foreign bank last year as a direct hire(entry level role). Starting pay was 4.7k. One year later, got promoted due to exceptional performance. Salary is now 6k+. My advice is to try to get a leg into the industry and then prove your worth.
Good luck everyone!