I know money is an issue right now, but maybe (when you can), you should look for an agent of some kind. You have a talent for writing, and there has got to be something out there that would publish your stuff. I'll have to go looking through that section and see what you've got. =)

Do you think you don't have enough for a novel, or enough to publish a collection of short stories? If it's novel-length you're worried about, don't. Do a collection of short stories... I've seen small collections... like 100-200 pages. Most novels are 300+ pages anyway.