I like the idea of scheduling a hearing with the judge. You might also go to the traffic ticket window (or equivalent in your area) at the Courthouse and see if you can be placed on a payment plan. Be aware that a judge might want to see proof of insurance on the vehicle you own / are driving. It is logical to wonder how you can afford insurance if you can't afford the ticket. But perhaps you can't afford the ticket because you are paying for necessities like auto insurance, or perhaps you are covered under someone else's plan. Nonetheless, you should be prepared for such a question from the judge. Good luck.