Mirch yaar, why don't you join a research institute? Free PhD programs + you get enough funds for meeting your financial needs.
Don't know about USA, but in Europe there are plenty of such institutes...
I wanted to do it with being a full time employee. I have a job which pays comfortably enough so I do not want to quit that job.
As for MBA , I already have an MBA from one of well recognized institution of Pakistan and lots of experience. So I thought that I might get some exemptions and could get the degree faster.