KaraB...it sounds like an awful experience. But, did you actually get to the pointy end of it? Like did the Dr say, yes we will do it, here is your appointment?
In QLD at 25 weeks you would need to see 2 doctors, a psychiatrist and a social worker and then the case would be discussed in front of an ethics board. Saying you cannot afford it would not at all come into it. Saying it would affect your mental health would but then you would be assessed by a psychiatrist to establish that.