Mary, check your local Craigslist - and the Craigslist cities around you within a reasonable driving distance... and keep checking them. You will find someone selling a frame and machine sooner than you think.
I piece bought all of my equipment and wish that I had waited to see someone selling everything all together... I bought the frame, new first. Then the machine and a pcquilter. Granted, all but the frame were used. I am considering selling my set up as well as I am having a hard time getting started on it. We'll see. I will give it a little more time before I go and sell it. I really want to figure it out but I have no hands to hold :(