Can't Afford The Repair for a Catalytic Converter, What Do I Do?

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hi, my car (1999 mercury cougar) won't pass emissions test due to one of the catalytic converters gone bad. I can't afford the California Required purchase from the manufacturer or dealer to buy one they are $1000. I'm applying for the CAP program but that's only $500. I want to get a waiver but still have to invest in at least $450 on repairs to qualify. If it is already known that it needs a catalytic converter then that still makes me required for the rest of the amount for repair. Is there anything I can do or does anyone have any advice for me please help! I paid for the registration but can't get my tags until this is done. Thank You, Southern Belle