Quick Answer
The vast majority of reputable clinical psychology PhD programs offer full funding, providing tuition waivers plus stipends typically ranging from $20,000 to $35,000 annually (with some programs in high-cost-of-living areas offering up to $40,000) for 5-6 years. In contrast, fully funded PsyD programs are scarce, with only a handful of programs nationwide offering comprehensive funding packages. Students should prioritize PhD programs with guaranteed funding or apply for major federal fellowships, such as the NSF GRFP ($37,000/year for 3 years) or NIH F31, to avoid the substantial debt burden that can reach $150,000-$250,000 in unfunded doctoral programs.
