When I did my Masters I got funded for a project and used that to pay fees. Look at organisations that offer grants for projects as you don't always have to be post Doc to get one. Mine was from the Learning and Skills Council, Institute for Learning sometimes have them.Charities also have bursaries/grants depending on your circumstances, I think there is a link somewhere on this site about finding post grad funding. On 6th March Time to Change are offering grants for mental wellbeing projects, but of course it depends on your interests. Failing all that, I know you say you don't want more debt but what about a career development loan from the gov? You don't pay it back until after your course has finished. :-)