If you are looking at graduate program in psychology (clinical/counseling, etc), you are surely aware of how competitive they are. Funding has gotten tighter and tighter, with grant money dwindling and reimbursement for clinical services declining. Many programs that are worth their salt like to see that you have worked in the field in some capacity before applying to grad school (research assistant, mental health associate at an inpatient facility, etc). To be honest, it is very unlikely you will be able to fund a graduate degree with outside private scholarships. Funding for graduate training typically comes from federal traineeships, research grants money, teaching/research assistantships, or funding after which in exchange, you promise to work in an underserved area for a few years. Sometimes the military offers funding but with significant disabilities that is not likely an option.
When I was in grad school, I had a few years of grant supported scholarships (public health service traineeship funding that was provided by my grad program- I didn’t apply for it) and then I worked at the local VA while in my later years of graduate training. Then, after internship, applied for and won an AAUW scholarship. All that said, I still has some loans that had to be repaid over 10 years. And this was a long time ago, back when reimbursement in the field wasn’t so challenging.
If I were you, I’d work backwards. What is your final goal? If you want to be a practicing clinician, in what state? What licensure will you need, and what will you need in order to qualify to apply for that. If you stop at a masters degree, you will likely be able to be licensed (in most states) as a licensed professional counselor (LPC), Licensed marriage and family therapist (LMFT) , or, if you go the social work route instead of psychology, as a MSW or LCSW. Most states do not offer psychology licensure at the masters level.
If you decide to pursue a Ph.D., I agree that there is likely more grant funding available in Ph.D. Than Psy.D. Programs, as depending on the research level of the institution (R1, R2, R3) the faculty typically have to generate a certain amount of grant funding. This is probably not true for many Psy.D. Programs, and likely also not true for some online programs, since faculty are often part-time or adjunct.
If you pursue a Ph.D., read up on whether your state will require an APA approved internship or will accept an APPIC internship or one you set up with a private practitioner or facility. Since internships are harder and harder to get, many state licensing boards are being les stringent with what they will accept as an internship. Also, many will require a post doc nowadays too. So, if I were you, I’d work backwards and see what you will need for the different levels of licensure. And nowadays, with the increased impact of managed care on many clinical services, reimbursement rates for doctoral level providers isn’t much more than for masters level providers, and often isn’t worth the extra cost to get that advanced degree.
There are a few online programs, such as the Fielding Institute, that have gained better acceptance in the past years. But they will not have any funding available and again, outside scholarships , unless you are willing/able to commit to working in an underserved area, are probably pretty modest, if it exists at all.
Sorry for the length of this and to sound a bit pessimistic, but you should go in with your eyes open. I had a student working with me during his grad training who was married with a kid or 2, in his early 30s and over $200K in debt and climbing. He hoped to get an internship (IIRC, it might have been a fellowship) with a VA, but one of his classes was an online class and they would not accept it. Period. This was a few years ago, and things may have changed, especially with increased needs for clinical services at VA hospitals and clinics, but that was what he faced back then.
Remember- outside scholarships at the grad level are hard to find, and the “leadership”" component is probably for undergrad scholarships, not grad funding. Good luck.