Hi, I've been looking into doing a PhD in the CMS department of Uni of York. I would be applying in 2022 to hopefully start October 2023 (I'm currently doing my MA abroad which would be finishing summer 2022). I'm really stuck on how to fund it. At York, there are approximately 50 scholarships available, 48 through the research council (split between all arts and humanities PhD students between York, Sheffield, and Leeds, and they say they get 300-350 applicants for their 48 places), and 2-3 more through the Wolfson scholarship. I would have to apply to both of these after receiving my PhD offer from York. If I didn't get one, it seems my only option is the UK gov loan, which is only £26,000 for what would be a 3-4 year degree at over £4k a year tuition. Leaving me with 10-14k to live on for 3-4 years. I would have to take out bank loans to afford to live, or get a job which seems like a hell of a lot to balance on top of a full-time PhD. I'll be getting a job in my year off after my MA but in order to actually save anything I'll have to live with my mum which is not in area with high-paying jobs at all. I don't want to have a break of longer than a year before PhD either. So if I don't get one of those scholarships (which do cover tuition and a stipend that is enough to live on) I suppose I would have to withdraw from the PhD even after being accepted. Would this then hurt my chances if I wanted to apply for the same PhD and funding the following year to see if I could get accepted for funding that year? I can't find any other scholarships or sources of funding that would actually cover what I would need to live. This feels impossible. Any advice?