Huram,
A great deal depends upon what you will be taking pictures of. If your work trends to photojournalism, sports or animals, 400 ASA would be a wise choice. If you want architectural, landscape, or found objects you will use a slower shutter speed, so 100 ASA will get you decreased grain and more satisfaction in the darkroom as those 8x10 or larger prints get pulled from the hypo.
As a start with 35 mm, I would suggest you learn how to use a tripod and a cable release. There aren't very many grains of silver on a 35mm piece of film (compared with LF) and you want your negatives as sharp as possible. Unless you aspire to be the next Cartier-Bresson, take some time with composition and camera placement. If you have no tripod, a broomstick with a 1/4-20 stud screwed in will make a serviceable monopod for stability.
You seem anxious to get started, and don't have money for a bulk loader and bulk film--it's a fabulous money saver, but you have to spend a lot to save a lot. Most large camera stores near a school cater to students and sell a generic-priced film that is cheaper than TMax or Tri-X. There may also be a price break if you buy a brick or half-brick. You might ask if other impecunious customers would go in with you on a brick. A store such as this can also help with bulk chemicals that are far cheaper than the Kodak and Ilford brands.
Good luck, happy experimentation. Post your work.