Computer crashes before it even makes it to the desktop. Unless I'm just being an idiot, you can't install any software without first making it that far.
You don't necessarily need to take the hard drive to a different machine in order to wipe it clean. You need a bootable CD, disk, or USB. For example, if you take a Windows installation disk and pop it in, your computer should say something like "Press any key to boot from CD..." which would allow you to start up to the install process instead of starting up to your current Windows installation. Barring any hardware issues that it doesn't sound like you have, you may have to check your BIOS settings to make sure your computer knows to check the CD Rom before the hard drive in the boot process.
Once you've got the install running, Windows can format your hard drive entirely and give you a brand new install on it. Have a look over here at this
LifeHacker article. Unfortunately, since your PC is having issues, you'll need to start on step 4, but it outlines the procedure we're talking about.
If there really is something physically wrong with the hardware and you're unable to complete the new install, then taking the hard drive to a new PC and following the same procedure is an alternative.
If you have any geek friends, now might be the time to ask very nicely for assistance,
throw them a little cash and offer to cook dinner for them while they help fix your PC. I know you said you're strapped for cash, but there's little most geeks hate more than being taken advantage of. We don't like to work away from work unless there's something in it for us, too! Substitute a 6-pack of beer or something along those lines until you can reach a compromise.

I'd love to change the world, but they won't give me the source code.