I am new to this, but I can't imagine what the benefits are to doing an unfunded PhD (aside from perhaps a clinical doctorate)?!? Get more work experience, improve your application, and reapply for a funded PhD program. Too much time and money with no guaratnee of a job in this economy...too many PhD's and not enough jobs. Don't put
yourself into debt for more alphabet soup in your title! I think it is unethical of institutions to even promote these programs!