I'm not sure that I follow, or at least I think the distinction you are trying to draw is a little meaningless, or just a roundabout way of saying that the university is paying your fees (which I don't deny, since that indeed is the point I am making, that if you are offered admission the university will most likely fund you, and you won't need to worry about finding the money for fees yourself). And in addition, what I am saying is that at the top colleges, this is the norm, so it shouldn't concern you too much when thinking of putting in an application - if you get in, they will ensure you have enough funds for you to make it through the degree (the thinking being that if you are good enough to be offered a place, they want you to attend, and don't want you to turn them down because you can't afford it!).