Working on a Ph.D. is expensive, but lack of an income should not stop you.
Help is available.
University of Arizona, and University of Pennsylvania. Please go to the list of application fee waiver universities to see details. T he Essentials of Planning First, look at the cost of the graduate school you will be attending and see how much money you will need per year. Usually the graduate school catalogs list typical expenses. Don't forget to figure in the cost of living for that particular area.