I also would like to chime in agreeing with LITB, JB, Chatter and Denver!
Tell her you're reviewing the papers and saving $ to consult with your L. But don't just tell her that without actually putting a plan in place to figure out how to pay the L... Although it will buy you some more time and keep the paperwork on the back-burner, it wouldn't be good if a month or two down the road you're no closer to consulting with you L than you are today.
