Adding on to Bree123's comment about renting time on long arm machines - my local shop also rents out time on large sit-down quilting machines. It's a new program and I haven't done it myself yet, but for the sit-down machines they aren't requiring the class beforehand and it's a lower hourly fee than using the stand-up long arm so the overall cost is a lot less than renting time on the stand-up machine. Drawback is that you'd still have to build your quilt sandwich and baste it yourself, but that shop also has some large tables you can use for free as long as there isn't a class already using them.