Have you got yourself a supervisor? If you have a placement then this is crucial for ethical reasons, unfortunately they don't come cheap! (Think £30 -£40 per hour and you'll need one supervision hour for every 8 client hours during training.)
The placement really shouldn't be your only chance to use counselling "skills". Client's are real people and although they may be very forgiving of mistakes it is not ethical to rate yourself as fit-to-practice if you have absolutely no experience of this. This is why a face-to-face, experiential course is so important.
I know how hard the financial side of things are. I am very lucky to have an incredibly (financially) supportive partner and parents, as well as a scholarship at my Uni. Have you checked with the institution you would like to study at to see if they can offer any financial support (grants/scholarships)?
I don't know of any governmental benefits/grants towards education unfortunately.
I hope you can find a way of making this work.