Help can be expensive. In some places, you may be able to find cheap help. Sliding scales, state appointed therapy, etc. I never really sought therapy for my gender identity. Sometimes, I feel like a lot of my problems go back to it. I really, really do. The problem is, none of my therapists have ever seemed to think it warranted discussing. I tried to bring it up to my current one, and he even brushed it off. This has made it hard to discuss it in therapy. However, that's not to say that the right therapist would not be of help. I'm sure they would. And I encourage you to try it, if at all possible. Even a school counselor may be of some help.
I did not discover the word 'transgender' until I read the book "Luna". If you can find it, I highly recommend it. It introduced me to it all, and through that book, I realized that I myself could relate to Luna (except I'm the female to male equivalent). Although, just because you don't identify as your birth gender.. that doesn't necessarily mean you have to identify as trans, either. It is my opinion that gender is fluid. Some people are somewhere between genders. Since 'masculinity' and 'femininity' are merely words created by humans, it is VERY possible to be both masculine and feminine. Many people are. While I identify largely as male, I do have days where I will dress in... so called 'girl' (I don't really like gendering clothes, but sometimes it's hard to avoid the urge to do so) clothes. So, it's possible to be 'between' genders, as well.
Take time to find yourself. It sounds like you might be young? Don't rush these things. I hope that whatever you are, your family will come to accept it in due time. It can be hard for others to understand things they are not going through. Just give it time.
As far as surgery goes, not all of us opt to have surgery. Sometimes, I feel there is pressure to do so in the trans community, but don't ever let that pressure get to you.
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Love is..
a baby smiling at you for the first time
a dog curling up by your side...
and your soulmate kissing your forehead
when he thinks you're sound asleep
OSFED|MDD/PPD|GAD|gender dysphoria|AvPD
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