Well, I know an awful lot of people machine quilt on thier regular home sewing machine, and get along just fine. I personally am not very good at it. I have hand quilted almost all of my quilts. Hand quilting is not difficult to learn, but time consuming. Then there is the option of tying the quilt. If you have a quiltling buddy, you could have a "tying party" You might also consider the quilt-as-you-go method. I have done a few of those. I have never sent a quilt out to be done, and never will, but I respect those who do. And I surely do respect the quilters who do the quilting. I have seen some beautiful quilting done by them. You CAN do this. Just find what works for you. Good luck.
Humbird