moxie, I take no pleasure in bursting anyone's bubble but dance studios - franchise or independent - tell ALL of their prospective students that they are naturals. They figured out eons ago that they won't get very far with frank appraisals of dancing ability.
That being said, I want to encourage you to pursue ballroom dancing to whatever extent you can comfortably afford. It's a wonderful activity with many physical and spiritual benefits.
Just keep your head about you and don't let studios inflate your ego. Remember, their primary purpose is to get as deeply into your wallet as possible.
Finally, if it turns out that you won't be able to afford to take dance lessons (your situation sounds a bit tight), there are other activities that are less expensive but still very good for you, such as tai chi.
Best wishes.
jj