First off my dear, don't admit you are in need of the money - no one has to know that part of it - then you shouldn't have anyone taking advantage of you -
And by all means take all these good peoples' advice about looking into it very carefully, know for sure what you are getting into and research first of all what they might be looking for - and then proceed... and you'll do wonderful!
Have confidence in yourself and you'll be just fine! Like one lady said, you'll never know the value of your talent until you have tried. Good luck and best wishes!!