Hi there,
Thanks for your reply Tudor_Queen. Yea, I've looked at most of the Research Councils and can't find anything. I've also written to all the universities I've been accepted to and none of them have funding for students starting in January. I might defer to September, when I can apply for the new academic year's scholarships/studentships, but that's not a guarantee.
Apparently Americans usually opt to use Federal Loans, and the universities don't seem to have much for US students. In fact, one university seemed kind of surprised that I was trying to avoid taking out more loans...