I would recommend a garage sale that sells fans at bargain prices. Being low on cash doesn't get expensive repairs or replacements. We all run a business and Charity comes under another heading. Steve is correct. If you can afford A/C.. You are already living a luxury.
I would guess that you have not cleaned or serviced that unit in a long time. Its pay me now or pay me later. Did you really check the airflow or did the Wife(going through the change) tell you that?
Actually I would check everything. Call backs piss customers and dispatchers off.