I'd recommend getting a job then...my dad lost his job, but it didn't affect me much because I have been working for years and earning a good deal of money on my own.
In the meantime, you may want to look into this:
http://registrar.mcmaster.ca /calen...-13/pg200.html
Very few people seem to even know that these avenues exist. If you and your entire family combined legitimately can't spare $20, then you probably qualify...though there's a difference between literally not being able to afford it (ie not having $20 to your name) and being very tight on money and choosing to spend it on other things (rent, food, etc).
I've never had any personal experience with those funds/loans nor do I know anyone who has, so I can't give you any more detail than what you could find yourself on google...going to speak to someone from SFAS is probably your best bet.