In a similar situation myself, however we don't even have a boat or access to a course. I'm 22 and have been trying to get my dad to split the cost of a boat with me for 2 years now or at least help out until I graduate then would pay him the rest so I don't go completely broke. Been skiing the course 4 years now. Currently have 1 semester left and doing what I can to ski when I can as I can try and make the ski team again this fall. It's hard to convince someone to pay for something when they don't have the same intentions for it as you might.
Best solution I have found, find someone who has a boat and course and become their best friend. Already have made arrangements with a neighbor to purchase their boat after I graduate and have a steady income....
Oh, and if you do get a boat, don't be so quick and hung up on a MC