Sorry for the delay in my response.
I got an unmarried partner's visa a few weeks ago. I am in a heterosexual relationship with my boyfriend. We lived together since January of 2003 (with a gap of a few weeks between then and March and 5 weeks in December 2004) and got the visa in January this year. My personal thoughts on your application is this. I wouldn't apply until it's closer to the 2 year mark. I feel my interview at the NYC consulate was quite relaxed but that was also due in part that I was VERY prepared. The woman did look at the stamps in my passport equalling the two years as well as have me reiterate the letter I wrote showing where we lived with a timetable over the two years. Though she could have said something about the few small gaps which actually equalled just over 2 months, she didn't because she knew we had everything needed, etc.
I know the feeling about not being able to afford thins, but I am thousands in debt because I HAD to make it work by being a visitor here for the two years. Sacrifices have to be made in these conditions and if you end up ignoring them and applying early, you will pay the consequences....literally. You'll lose your $520 application fee as well as have a mark in your record.
My thoughts to you are to wait the time out and be a visitor or have your bf come stay with you a few more months THEN apply, or go the fiance visa route and marry. Unfortunately, they don't make this process an easy one and mentally it can make you ill.
I am sorry for the harshness here. I am just trying to give the most detailed and honest help as I can. People here did the same for me and I listened and now I finally have a normal life with the man I love. I don't want to see someone who wants the same make a mistake.
If I can be of any help, you can IM me on AOL at music4autobahns