If you take TOEFL in Jan. next year, you may not catch up with the first two rounds and that will put you into disvantage. Could you go to Hongkong to take the TOEFL? you can schedule one time each month.
In addition,I suggest you to apply top 20 In US. Most of these b-schools will provide you long-term, low interest and non-cosigner loan.
If you want to get more information, you may forward your detailed information to me. My Email is Jessye_li@hotmail.com. QQ is 157557033. I may give you a free evaluation according to your background.