From the link: http://johanistan.wordpress.com/2012/01/27/the-debt-free-doctoral-route/#more-779
If
you manage to go through your master’s degree without any debt, completing your
Ph.D. without any debt will be a piece of cake. You can use the same strategy
that you followed for your first graduate degree, but it might be smarter to
dedicate yourself to the Ph.D. completely. Most universities offer teaching and
research assistantships to doctoral students. These programs offer different
levels of compensation, but most of them offer doctoral students a full tuition
reimbursement (meaning you won’t have to pay any tuition) and a stipend that
ranges between $15,000 and $30,000. In exchange, doctoral students have to teach
a number of courses or help university researchers with their investigations 20
hours a week. Make sure that when you reach this level you find a competitive
offer, and relocate if you need to. This is the moment for you to apply to major
flagship universities – UT Austin, UW Madison, UC Berkley / LA, or Purdue would
make good choices. These universities offer the best stipends, but they also
require the most labor from their doctoral students. Furthermore, they also
require students to take several pre-requisite courses before starting to take
credit courses. If you’re not inclined to spending 7 to 10 years working on your
Ph.D., you might want to apply to emergent research institutions. These
universities have solid reputations and are often on the list of Tier 1
institutions. These institutions sometimes will not force you to take
pre-requisite courses if you can demonstrate competency on the required
skills.
If you are accepted into one of the doctoral programs with
competitive stipends you might need to relocate – do not hesitate. Remember that
once you start your studies you will need to regard your doctoral studies as
your full time work. You will literally be getting paid to work and study for
the university. If you do this, you will spend anywhere between 5 to 10 years
working on your doctoral degree. When you finish your doctoral degree you will
likely be poor and unemployed, but you will also be part of a group of rising
authorities in your field. You will be able to find a job in industry, research,
or teaching. Furthermore, you will have gone through an amazing experience for
networking and personal, as well as professional, growth.
Also, you’ll be
able to call yourself “doctor” and have the ability to brag about how you became
an authority in your field without having to spend money.
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