One thing to look into around your area: We have a LQS that has a class you take to learn how to use their long arm and then you can rent it by the hour and do it yourself. Maybe there is a shop near you that does that too.
For me: I have never sent a top out to be quilted. One reason is the cost and the other is, I enjoy the whole process and want to be able to say I did it all by myself.
DH bought me a Grace frame (found a used one on Craigslist) when I finished my first top because I didn't know how to quilt it. That is before I found all of you :!: And I didn't know anyone to ask. I have been having so much fun with the quilting that I volunteer to do the charity quilts for my guild just so I can play more. :lol: