Putting a Beautiful Soul to Rest

As a child you never picture getting that devastating call.On Friday March 1st 2019 this beautiful soul was taken . My world has been turned upside down and I don't know what to do. My mom was a loving and kind woman who would give you the clothes off of her back to anyone. After searching for insurance policies and through mounds of paperwork I finally found the policy. Her insurance policy is only for $5,000.  I left the funeral home today in tears because the quote to burry her is $13,748.00  even cutting the costs on everything.She did not have a plot or anything paid prior to this. She was not a fan of the possibility of cremation but it looks to be my only option at this point. 
This is taking a lot for me to put together as I don't like to ask for help.
Anything you can help is appreciated. I just want to lay her to rest.