This is my family's situation as well. My wife has a 9-month salary for her tenure-track position at a state university. Her startup package hardly covered anything. The university has virtually no money to give out in small grants to help along until she gets an extramural grant from the NIH or the NSF, but the kind of research you can do at a small state university that's focused on teaching is not sexy enough to garner big money from most extramural granting agencies.

As a result, she's applying for grants at the moment to pay a few students a paltry sum to stay and work in her lab over the summer. She will work for free. Any students who can't cover their own room and board on their own probably couldn't afford to stay and work; they need to spend 30 or 40 hours a week in the lab, which pretty much excludes other sources of income. My wife makes the point that it's unfair that poor students can't afford the experience to work in a lab as an undergraduate, even if it will benefit their careers in the long term.