I second Jellyfish's thoughts and agree there is a difference between no funding for MA or PhD program. I would suggest talking to current students and see how they make ends meet, as well as trying to get a more clear idea about future TA positions from current students and your faculty advisor. This really varies by school and program. Without possibilities for a TA or campus position that will cover tuition, the debt could get overwhelming. I also know people who work jobs off campus and it can really detract from PhD studies. Tutoring should be considered supplemental, but not your primary source of income! I am currently in a grad program without full funding, but there are ample opportunities for TA positions in the department and around campus.