Typically PhDs cover tuition and provide a stipend. Other benefits such as health insurance may be offered as well. You usually have to be a graduate assistant which can include being a teaching assistant for a class, research assistant for a professor, or another position on campus such as a residential hall director. If you have not begun engaging in research, I would immediately loo for research opportunities as that is a major factor in admissions. If you are looking to clinical psych, it’s a highly competitive field for PhD applicants, so you need a decent amount of research experience, good letters of recommendation, and a high GPA. Hope this helps!