Also another thing other people have mentioned: do not go into debt to fund your PhD, you should be able to get a scholarship/stipend to pay for tuition and living expenses. By your username I infer you're an EU citizen. If this is the case then this gives you loads of opportunities throughout Europe on the same terms as nationals, which means that you have many excellent universities usually with good funding opportunities (though in 9 days that will be the UK out of that set, sadly; I myself got in last year still in time :p).

Best of luck!