i'm thinking that there must be someone who loves to sew quilt tops but can't afford the materials, etc. and would do it just for the joy of the sewing process. perhaps you could find such a person to sew/piece the quilt that you choose. then you can get the top back and hand quilt it yourself. do you belong to a guild? you might find such a local person there. or try a girl scout troupe or high school home ec class. just some thoughts.