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If you can get tuition reimbursement for classes at least, Villanova offers a 3 course Masters certificate in HR Management that provides great information and preparation for the PHR. Then you just have to pay for the test itself and you may be able to get tax credit for that expense at least. I’m not aware of any scholarships, but at least those classes might be reimbursable for tuition and allow you to just have to pay for the test itself! Good luck!
Asides from your employer paying for it, there’s not really a lot of options. If the moneys too tight, then I personally would hold off until it isn’t.
Another potential option is to switch jobs and aim for a higher salary or a company that is willing to pay for it.
Check out your local HR associations. They may offer scholarships.