I was a PhD student Liverpool University which contained a scholarship. I cannot comment in regards of rent because I was living with my parents but I would say Liverpool area is quite cheap in general.
What course are you doing? I was in the Computer Science department?
I am on 14.5k in Manchester and living okay. You aren't rich but the bursary being tax free massively helps. You can also do teaching assistance which can boost your wage during term time.
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