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.