Moxie,
Even less expensive studios are expensive, so you may find private lessons out of reach at this time. At my studio, group lessons are $10 each, though there's a discount if you pay for a block. However, there are other alternatives to carry you over until your budget can afford more.
You said you were going back to school. Many schools have some form of dance program, including both programs for registered students, and adult education programs.
Also, many city and county community centers do some form of dance instruction.
While both the above are much cheaper than studio instruction, in general, I've found the level of instruction is not always up to the level of the studios, but please don't take that as a complete generalization. Still, be ready to ask many questions, because these are generally group sessions, and if you don't ask questions, then you won't get the attention you desire.