Ouch! Hope you don't have to man, I'm in the same boat trying to save pennies everywhere I can. Have you looked at any junkyards in your area? Or is that something that you're just a prone to end up with a crappy cab too? Only reason I suggested it, is because sometimes junkyards you can find a nice little diamond.
I know I need a bed because my is half rusted to hell, I went to a couple junkyards found some outstanding beds for my truck. Of course I wasn't there for me, or with the proper tools so I couldn't have taken one home either way.