Chrissy: You poor thing...actually stooping to asking a government attorney in Missouri for advice on a North Carolina divorce/separation. Seriously, I doubt I could help much on this. If you're worried about costs, you might want to check to see if there is legal aid in your area, or, better yet, a women's shelter with all of the associated help it can provide.
However, if you want some basic "uh, yeah, that's a Latin phrase that means 'always wear underwear'" type of advice, I'd be happy to give it to you.