I understand that there is a stipend to working in a lab while as a student (akin to being a TA), but while obtaining a PhD in a top program, I highly doubt tuition is reimbursed, and that still doesn't cover living expenses in a major metropolitan area. I mean, if you can name a Top 25 university from each San Fran, Boston, New York, Atlanta, Baltimore, and Dallas that consistently provide PhD students tuition reimbursement and a stipend that enables a modestly reasonable quality of life, I'd really be interested. I'm a little tongue in cheek here but bear with my skepticism.