Butterfly, hun, I had a homebirth with a midwife(2x) and the first time our annual income was about 15k a year, and the second time maybe 20k. For the first baby we bartered with the midwife, x-dh refinished one of the rooms in her house, and I went to her house and cleaned, took care of her kids etc. When my first was born the mw told me that it went so easily that she owed me half of a baby. So when I was PG again we had to pay half the cost.
MOST midwives AND doulas will barter or have a sliding fee scale. Even if you have high doubts of being able to afford them, give them a call and just meet with them. Be very open about what is going on, and just let them know you are trying to see what your other alternatives are. I like the doula idea if you do want to be at the hospital, but it seems that you would really like to do a homebirth. PLEASE just call and talk to your midwives. I was scared to call too because I was so poor, but we met with her and told her where we were at financially. Even when we had to pay for half of the second birth it really strapped us, but when something is important to you, you must sacrifice.

I would not let the drs do a c-section. There has to be a breaking point for all of us women. We can't just keep on letting the hospitals have this much control over our birthing expiriences.
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