Try to find a used competition dress. Skate sales at the various clubs can be a good place to look. If you cannot find one, look for a simple dress which will save you money. There will be the competition costs such as application fees. If you want your coach with you, there may be a fee as well.
Many skaters compete without their coach present.
You could ask a friend or parent to help you. Once you start college you can continue to compete. There are more collegiate competitions every year. The lowest level is pre-intermediate, no axel group. Many collegiate skaters do not have a private coach but work on their programs with the college club coach or themselves.