Do you recommend doing a direct phd after university?

Hi! So all my life has been searching having 100% scholarships and stipends to survive in other places. I have never payed for my education but tbh I am poor. Right now I am doing 1 year internship in novo nordisk and since I have until 2026 to decide my future after graduation I am kind of struggling to decide what to do.

Most of the programs I have seen only can support a master and therefore you are not able to get fundings for phd in the future. And in general, most phd programs in university get better stipends for surviving.

There is also a reason I am looking to do my grad studies in USA, that is the country with most support overall. I am from a third world country so my country is not a option for good education aaaaand In Europe there is zero support for non EU lol.

But there is this feeling, will i be prepared? I see a lot of people going for more research experience as RA before going to grad school, so I don't know if I am wrong or doing this big step. Do any of you had to make this kind of decision? How did you manage?

Thanks :)