I can afford a lot of things, or else why do I have so many Apple products, a $40,000 minivan, and the plan to get a new BMW? My parents pay for my university.
First of all, I'm sorry you own a minivan. My sincere condolences, but that doesn't excuse you from having to format your papers just like everyone else.
However, Pages is perfectly capable of making a paper in 12 point font, Times New Roman, with 1" margins. I suggest you just learn how to do the formatting instead of buying Word.