Andria - Perhaps you could look at one of you getting the plan, and the other following along? I know this has worked for a lot of people, my Mum included. My mum is going really well, she is actually staying here with me for a few days and she has stuck to her guns, even though I am eating off plan.
Tarkine described it very well. You get a certain amount of protein plus a certain amount of vegetables to eat as main meals 3 times a day, with 5 hours between those meals. Not all vegetables, proteins and fruits are included in the plans however as everything varies. You will find the proteins are lean proteins (lean meats, low fat cheeses, low fat yogurt etc) and the vegies are predominately green & white.
I lost 24.1kgs in 12 weeks and I truly believe it was because of the diet that I conceived this little one, as I mentioned, I wasn't getting AF before starting. I am more than willing to find the extra $750 for the next time I start... I am thinking about saving it out of the baby bonus... it will be a bonus for me & bub if I lose my excess weight

I do know that Cohen's used to offer a payment plan... perhaps you should google them and give your closest clinic a call and see what they offer in regards to paying off a plan.