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If you think your financial issues are so temporary as to be gone in less than a year, I would really work toward other alternatives. They might be able to delay your initiation or suspend your pledge status or something else that is not depledging. They can also possibly put you on a payment plan you can afford, presuming you are being realistic about your financial situation and time constraints. Definitely talk to your FVP, president, new member ed person, an advisor, whatever it takes to get a valid answer. And don't take the first answer you get if it's not some variation of yes they can work with you. They may NOT, but I would want to hear that from an advisor at minimum.
And do use this as a learning experience about financial commitments. You have to think beyond the right now when making long term commitments - car payments, student loans, mortgages, cable contracts, etc. There are ALWAYS additional costs (who knew a car battery can go bad in less than a year?) and if you are right up against your budget, you're going to get in trouble.
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"Traveling - It leaves you speechless, then turns you into a storyteller. ~ Ibn Battuta
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