B.A.
I worked for an endodontist in Chicagoland for 12 years. What I will say is
1) go to a SPECIALIST - we saw too many crazy things from dentists trying to do root canals
2) Many dentists will work with you if you are self pay - get on a payment plan - and they will sometimes charge you less
3) Do get the root canal rather than get it pulled because then you won't lose bone (a big problem if there are no teeth there) and because you won't have to get a bridge - very expensive alternative as well. An implant option is OK, but again, you might still lose bone.
4) The endodontist I worked for is considered one of the best in the state and has relocated to Jacksonville, Illinois. He is cheaper than 900 and works with self pay, so it might be worth a drive for you.
5) If you get it done RIGHT, the experience is just like a filling, but takes longer. Many people fall asleep in the dental chair.