I don't send mine out to be quilted. I may not do as good of job as the professionals but IF and WHEN they get finished (and it isn't often) I do it myself. I'm retired and dh is disabled so we're on a fixed income.
there's a link on here somewhere about turning a regular machine into a quilting machine by turning it sideways and using heavy vinyl and foam insulation sheets. You could buy everything you need for far less than having one quilt quilted.