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Promote this poll: Kodie Dezno: Hey guys! I have narrowed my university options for my PhD to four. The first two have a PhD program in which they offer tuition paid off and they offer me a job to teach undergrad students as I study myself. I have to make sure about the third one but I think they also have a PhD program. The third one is more along the lines of what I want BUT I would have to take student loans to do it because even if I get a grant I will have to pay for student housing. The last one I would have to take student loans to pay for the tuition but I can stay at home in Puerto Rico