I just began HRT about a month ago. My school provides a lot of financial aid and it covers the medical insurance. The insurance covers psychological counseling, HRT, and GRS.
Maybe you can perform a search for schools that offer this service or something similar. When I did a Google search of "transgender care schools", I see several websites with a list of several school's names that support transgender students, and I even see my school on most of those lists. You can attend a university if that is what you prefer doing, and you can still transition... that is what I am doing!