If you can get your doc to prescribe it your insurance might pay for it, try it, if nothing else you could have your script filled at a compounding pharmacy which is much cheaper than what I pay at my clinic.........I understand money being tight........but to be truthful, at this point in my treatment, I will ALWAYS find a way to come up with that extra cash, it's my health and I love having good health from my TRT protocol.....it's important.
BTW.....I would say there is a good possibility that what you're feeling is the symptoms of low T..........my levels were-total test- 383 / range 249-836.........free test 8.7 / range 6.8-21.5 My e2 was well within range on the upper end and I'll tell you straight up that I felt like a shit nugget, my normal doc put me on anti depressants ........I threw that crap in the trash and called a clinic.......best damn decision of my life.
Work at it a little and you'll find the answers and the right doc. to help you out.