Help is available...
Try a local co-op. Some of the people working there are amazingly resourceful.
Do a YouTube search for...
. All you'll need is a couple of small hand tools.
Seek out the kindness of strangers on a local trail head or bike route. Eventually someone will help you or at least point you in the right (local) direction.
If, after exhausting the list above you're still not rolling then hit craigslist for a deal. Don't buy a folder or anything older than you are.
-Kedosto