If you can't afford to take a cruise on Disney Cruise lines, perhaps you can get a job there. You can enjoy being on the cruise and get paid to do it - how sweet would that be. Each cruise ship needs to employ lots and lots of people, so getting a job on one should not be too huge a deal.
You can click here to find out about employment opportunities with Disney Cruise Lines. The website is fully featured and gives a lot of guidance on how to successfully get a job on one of their ships.
This video gives a nice overview of what it means to work for DCL:
Good luck on your search for Disney Cruise Line Jobs!