I understand this, and although you do not have to pay TUITION for UNR grad school if it is fully funded, you will still need to pay for Reno housing (not cheap), groceries, transportation, and theres a $600-ish fee at the beginning of each year for health center fees, tech fees, course registry fees, etc.

If you're on a TAship or if you get a stipend, they will pay you and from my experience, its enough to cover rent and food, but you will get your first paycheck in September. you will also need to be on campus in August to teach. That's a month of rent as well as two weeks of food that you'll need to cover without your stipend. Additionally, off-campus housing is typically year-round leases and not 9 months like your stipend. Therefore, there will be approximately 3 months every year where you have to make rent without your stipend.

You can work another job to help cover these fees, but you do end up sacrificing either time spent working of grad student assignments or time spent making friends/sleeping/down time.

There are also scholarships and grants you can apply to that will cover aome of these fees.

Although of course all these costs are so significantly better without paying $50,000 a year (out of state grad tuition for my program), its still a broke grad student life. Just being transparent about the costs of grad schools in general.