I think given moving costs of about $4000, housing costs of about $20000, tuition of about $32000, living costs of about $20000 (you could do it for less) plus research costs if you have to go anywhere, its expensive any way you slice it. Those are the numbers I was quoted. At least this year, there is hardly any funding. Gates Cambridge, a full cost scholarship trust, estimates their scholarship to be worth about $60,000. And their stipend is low. So I think you can do it cheaper as you have done, but I also think you have to be realistic, that's all.
I'm glad you've had a good experience. I'm sure many others did too. Maybe I have bad info. Just a warning to really consider the cost