[the_decider]

One option is to apply to a Phd program that pays a stipend. If you drop out after you pass your quals (approximately 2 years in) you automatically get a Masters, plus the cred associated with a higher degree

[PhotonHunter]

Due to how turbulent federal funding has been over the past year, many or most PhD programs are being extremely picky about how many candidates they can extend offers to and are also on the eye for signs that applicants may be trying for the very option you're bringing up.