In the asociation that I am with and therefore in the club that I run it is stated policy that you should not restrict your training due to a lack of funds. Also in my own experience of being a student or unemployed every where I went to train had some sort of reduced fee policy for people who were a bit strapped for cash.
As well as that I will be teaching some Aikido this summer for free at this camp
http://www.earthsong.ie/
Brian