I had relatively smooth ride for my name change in NJ, but it was expensive. It shouldn't be. Here is what it cost me:
Filing fee: $250
Newspaper ads: $43.50 (total cost, 2@~$21 and change each)
Copies of the final judgment: $125, (5@ $25 each, I got 5, one should get at least three)
Filing fee for NJ div of treasury: $50
Postage: $32.05 (certified mail return receipt, x4 times, plus return postage x2)
Total is a hair over $500.00.
I did not include travel costs which were about $15, plus having to take a day off work (which may mean loss of income for some people). I also did not include miscellaneous costs like stationery and use of my computer, paper and toner to research and prepare the filing. I would estimate that is less than $10, but something not everyone would have available to them.
I can see someone on public assistance or maybe just even having a low wage job not being able to afford this. What's even more tragic is that it's the Government who is making us pay so much money.
A name change should be a simple form. You walk into whatever office (DMV, county clerk, post office) and just swear under penalty of perjury that you're not doing it to defraud anyone. Charge $5 or something to cover document fees and waive it for people below the poverty line.
There should also be NO need to publish it in the newspaper!!! It should simply be sent out to registered collection agencies and credit bureaus if they are concerned that people are skipping out on bad debt. Besides, most times they have your SSN anyway, and you don't get a new SSN when you change your name.
I am also very lucky that my name can be a feminine name, even though I opted to change it. I changed my gender marker on my ID (another $11.50 to the state, plus the cost of a therapy session to have my therapist sign the form) so I don't have problems when I buy age restricted items like alcohol or even spray paint or super glue. But for some people they don't. Can you imagine how terrifying it is if you are MTF and to be asked for ID if your birth name is Mike, Bob or Billy? Or if you're FTM and your birth name is Anna or Mary? Before I got my ID changed it was terrible. I hated being carded. Plus the picture didn't match. Now I am at least somewhat better and while carding is still annoying, showing my ID doesn't out me as much.