What you may not realize (as many people don't) is that there is money available for graduate and doctoral students, just not in all the usual places that you're likely to look, and that it might not always come in the form of scholarships for graduate school.
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If you're like a lot of people, you may have heard of Fulbright scholarships, but never really understood what they're all about. Some people hear the words and immediately associate them with prestige, perhaps making the assumption that Fulbright awards are graduate school scholarships reserved only for the best students in the world. While it's true that you have to work hard to earn a Fulbright award, you don't have to be in a position of privilege.