Wow. That sounds painful. Here's my $.02:
1) Skip lunch for a week or two. Basically, save up $40 to $60 for a GPU.
2) Familiarize yourself with the Radeon cards here:
https://en.bitcoin.it/wiki/Mining_hardware_comparison3) Look for something like the Radeon HD 4870 on eBay or Craigslist
4) Do NOT overclock it until you've banked enough BTC for a real GPU
Brother, Im struggling. I work a minimum wage job just to cover the bills so I have no extra cash. My only hope for a decent card is from mining and trading on Btc-e. I got lucky to get a $1 Btc-e code and have made a few hundred trades to make it to $12.26 that has taken about a month and should be popping out 1 more ltc in a week or 2. It will take me a good long time but I will keep on going