You can apply for financial aid in the form of a scholarship - I think you need tax forms for you and maybe even your parents, if you are dependent. I believe the price is cut substantially (to about $500 I think). I did not take a course (thought it was expensive, and I could not really fit the intensive class into my schedule). I did, however, have all the books for both Kaplan and Hyperlearning, and studied additional textbooks on my own. It all depends on how you study. A lot of people on this site have mentioned how helpful a prep course was.
(you should try searching for MCAT prep - the search function is up top).
hope this helps.