if being "self-taught" is such an issue with people, i would advise conditioning until you can afford classes. (running long distances, jumping around, climbing, moving quickly, etc) Take anything you have to do and turn it into some kind of "training" for yourself.
also, if you can find a dojo in your area, (i'm not sure if this is allowed, but it's worth a shot) try trading physical labor for lessons. As you're only 10, it won't be crazy demanding stuff. Even basic chores would be useful to the owners of the dojo. If you're truly dedicated, they may come to some kind of agreement for teaching you.
Ignore all of the "wait" stuff, you can always train in some way that won't hinder your later lessons, even if you have to wait to practice actual swordsmanship.
Good luck with training.
(i, too, was interested in martial arts and swordfighting at a young age. unfortunitally, i listened when people told me to wait. it took 12 years before i found someone to teach me [i live in a VERY small town surrounded by a whole lot of NOTHING]. I've never stopped regretting my choice to not train on my own for those 12 years. don't make the same mistake. if it's truly something you care about, you'll find a way, i promise. just keep working hard.)