Just to get a bunch of info under one roof, I'll repeat a few recommendations that other people have made. Low-cost therapy options include standard insurance, student health services, LGBT centers, city/county options (if you are classified as low income), sliding scale therapists/clinic--and I once knew of a therapist who did some counseling in groups; I think it was about $25 a session. That's probably pretty rare, but (as someone else pointed out), online therapy is available and can be less expensive than in-person therapy.
Somebody mentioned the VA, but I get the impression (perhaps incorrect) that you are not eligible.
Other options include finding a new doctor who does informed consent, going to an informed consent clinic, or trying Planned Parenthood (some guys have had success).
Obviously, some options cost more than others. When you say that you can't afford therapy, I'm not sure what that means. Could you afford low-cost therapy, or are you so strapped that you don't have two dimes to rub together? Have you any assets at all? Are you working? And so forth.
If you aren't sure what options are available in your area, you can start a new post with a subject heading that reflects your state/country, and get advice from other members who live in the same region.
I understand your strong desire to go on T by any means necessary, but start looking into legal options.