Professors, post-docs, and pre-doc students/interns I've worked with have always strongly advised to stay away from unfunded or partially funded programs. There is a lot of literature on this for graduate student applicants which advise students to steer away from these kind of programs/getting in any debt during their graduate education for Clinical Psych. Multiple advisors I work with (all very respected in academia) also believe this very strongly. The majority of reputable clinical psych PhD programs across the country have students pay zero out of pocket (which means they're fully-funded, with tuition waivers, etc.), allowing their students to use their stipend/fellowships for actual living expenses (Which should be the point). This allows their students to focus more on their projects/academics, achievements vs. working additional roles/jobs and barely making ends meet in order to pay for their tuition. I've read on other useful student forums that taking out loans while in graduate school or attending programs that are not fully-funded is a big mistake.
Big picture: In the 4-5 years you're in a research-based program, you're providing clinical services to the community, advancing your mentor(s) research working as a graduate student RA and possible therapist, doing all of this work with the goal of obtaining a solid experience by the time you're off to internship. You should not be paying a dime (except some student fees here and there every semester) towards your graduate education (I'm looking at you, for-profit PhD/PsyD diploma mills and mediocre PhD programs that aren't fully funded ?)