There is a great chance you can get by with a filling on the chipped tooth. There sure are a lot of things to consider, but the key is to check with a dentist and ask about choices. Your area might have a Dental Health Center (a federally funded clinic), a dental school, a dental assisting school, or a high volume, low-cost private clinic. All of these are possibilities for getting a filling to close the gap with low cost.
You can also call the local dental society - sometimes dentists get together to learn a new technique and need patients to use for teaching cases. Sounds a bit scary, but you will be treated by an expert while others watch and learn. Many people really enjoy being part of the learning cycle.
Of course, you might choose to use limited funds to get a higher level of care, like a better filling or one of the very exciting new porcelain options. This investment will be higher at first but will last much longer. The best dentists often have payment plans to help your budget while being able to give you high value care.
By far, the most expensive choice is to do nothing - that chip, if it is decay, will eventually destroy your tooth and you will spend way more money with fewer choices.
Seek out a dentist soon and get some information so you can make the best choice for you. Best of luck to you.