O1 visa is an option, though not easy to get. If the H1B quota is reached, then they'll reissue in April, though you can't start work till the fall.
For your J-1 are you sure there's no 2 year home residency requirement?
For your J-1 are you sure there's no 2 year home residency requirement?
If you're applying for a PhD, chances are that you will get a nice RA position and everything will be covered..You can always leave your academics if you get a job after a year -- which might look extremely bad on you but it's you first and then comes the rest of the world. You can always take part-time classes after you get a job to make up to them.