How about this idea.
Stock the tank with affordable normal fish for now. Keep a blenny, some clowns, or other beginner fish. When keeping these fish you can get the hang of maintaining a saltwater tank with fish that are a bit more hardy than those that you really want to keep. While doing that keep an eye on craigslist for tanks for sale. I've seen multiple 75g+ tanks for sale at around $100 each. A tank that size will really open up a lot of possibilities in fish choices.
Mebbid's Fishtopia: Various builds
"The simplest explanation for some phenomenon is more likely to be accurate than more complicated explanations." -Occam's razor