Hey Skye,
For now you can simply shave or wax if you don't want to wait for hrt or start laser. Personally, I don't think your hair is bad at all. You could get away with shaving until you get on hrt. Unfortunately, I have Sicilian heritage in my blood, so I know all too well about stubble and sympathize with you. So, I would start laser if you can afford it and want to begin the process.
In any event, if you can't afford traditional laser treatment, I know there are hair removal lasers you can buy online. I hear that they aren't as effective, but something is better than nothing. Plus, it is much cheaper in the long run even if you get a high end laser. Due to my financial limitations, this is probably what I am going to have to do.