Moi, check for used sets on craigslist.org.

Also, Rooms to Go has outlets. Might be few scratches but worth the discount.

Have you priced metal sets? The first one GrandMonkey had, had a twin on top, full size on the bottom. More of a bunk bed. Easier for me to fix. Not as high as the loft style. The bottom did make a nice play area.

Second one, which we bought when we moved here, is a loft style with a desk built in. Also has a little shelf, desk light and clips to hand stuff. We paid less than $200. It's very sturdy.