I can't offer you any advice as I'm new to this myself, but I can tell you that vets will work with you if you can't pay everything up front. After you go to the vet and they have taken your snake (if they need to keep it for a while, that is) _then_ think about money. I'm far from rich myself but I have dropped more money on my pets vet bills than my own (human) kids medical needs. (thank god for insurance!). The trick is not to think about it. Just do. A good vet will work out a payment plan with you if it came down to that.