I find the whole issue of funding an interesting one. So many different things on offer. The US only recently became more generous with the LOAN funds for post graduate work, about a year and a half ago, and so I was well pleased to be able to take out loans to fund my education--it was not a choice I had at the start. Going in debt at this point in life is not a thrilling prospect, on the other hand, it is my one life, this is a dream I have, and I will do whatever it takes to make it happen. I realize people have an aversion to student debt, but if the choice are loans or no PhD, I would take the loans--over time the money should pay itself back not only in terms of real dollars/pounds/euros/name your currency but in the things that you cannot really place a price tag on--fulfillment, accomplishment, more enjoyment of what you are doing, etc.