yes they are terrible about funding americans. I was accepted into Cambridge (mphil) and didn't find out until july about funding, which by this time you have had to make decisions. You can get US federal loans which is a pain, but the US loan disbursements are divided throughout the year like here in the US but being international you have the pay the tuition up front. Also, to get a student visa you have to show the brit gov you have had all the money in the bank for at least the past 30 days and if you are leaving in Oct you apply for a visa in Aug/Sept. These are all things I had to figure out alone!!!
Go ahead and email them, from my experience they are super nice and really, really willing to help those admitted.