You don't need $$ for grad school, infact you'll make some while at grad school ! If you plan well, there's a good chance you'll end of having full tuition scholarship and additional funding in the form of paycheck. You'll also need at least an above average credentials.
My suggestion - look for mediocre grad schools that offer funding in your program, start communicating with the respective departments/advisor, while putting together application materials in parallel. The only potential issue I foresee is an application deadline for Fall '15, assuming you're in States that shouldn't be a big issue here.
Good luck !