I don't know the OP from Adam, but I can appreciate dealing with medical bills.

Here's a small incentive to any perspective buyer: buy this kit and I'll ship you a f/4.5 12" Ilex Paragon Anastigmat for free. I've never used the lens, but I'm pretty sure it'll cover 8x10. Although not a cult lens, do a search and you'll find a lot of happy users of these Paragons.

This particular example is not perfect - the photo below was taken to accentuate the small scratches on the front element. Please believe me, they really are small and will not have a significant effect on your photos. You'll be happy with photos you take with this lens.