I am going to start my PhD, unfortunately, I did not get any funding. I am thinking of taking a loan so that I could focus more on my PhD studies, but the loan will need to be repaid after PhD. Therefore my question is if my financial situation is likely to be better as a postdoc than as a PhD student. My reasoning:
As a PhD student: I have to pay academic fees, I do not get funding or a salary.
As a postdoc: I do not have to pay academic fees or any other fees to a university (am I right?), I may get a salary but may not to.
How many postdocs do get paid? I looked at research groups I am interested in and they say, they do not have funding for postdocs and their postdocs usually are supported by some grant that they themselves have arranged before coming to the group. So is my financial situation going to depend on if I can secure a grant for my research as a postdoc or I should expect to receive a salary? How likely is the success in either ways?