<prompt> Human: The title says a lot of it, basically I am currently doing my undergrad and am considering skipping my masters and going straight to a PhD partially to save time, and partially to save money. I have roughly 15,000 saved up in a college fund that I can devote fully to school related expenses for postgrad. I am currently working with an income of roughly 100 a week that almost entirely goes towards paying expenses my university covers most of the costs of living. I live in the US, but I am open to and looking for opportunities to study in PhD programs abroad.x200B;My question is, what are my best options to ensure that I can finish a PhD with little to no debt? Are there opportunities for work study in PhD programs? If given the option, as a US citizen, does it make more sense to study inside or outside of the US? Most of the programs I have been looking into abroad are in Europe by the way, London being my main focus.x200B;Any advice is greatly appreciated.  <response>: Number 1 way is to get someone else to pay for your PhD, in the sense that Ive never heard of people self-funding their PhD and I work with literally hundreds of them. Are you looking into grants and TARA positions within the universities you are applying to? Typically you are awarded these automatically but it never hurts to ask ahead of time about how each school handles these things. 