2004 Mustang replacement key

I have a 4.6L 2004 Mustang, and I recently lost the only set of keys I had to the car in a recent snow storm. I've called several local Ford dealers, and one even said they couldn't replace a key on an 2004 (which I think is bull.) Anyway, I've read through plenty of places online, but most people at least had one key when they needed a replacement. My question is what do I need to get a new key? I'm a poor college kid so I don't have a lot of money to spare, but I also don't want to do anything that'll risk messing up my ignition or anything like that. Is there a way to get an uncut key and have someone program it without it being at the dealer? I'm desperate, so anything helps. Thanks for any answers.