My wife's studying for her PhD at UPenn in music composition, and she's not paying a dime. Scholarship pays for her tuition as well as a monthly stipend. She's actually being put through school on a fund that Ben Franklin started way back in the day.

She attended one of the best private schools in Australia - also paid 100% through scholarship.

The money is out there, some people are just more tenacious at looking for it.