Hi Amber, sorry about your situation. I live in the UK, and I pay about 3 pence a minute to the U.S. which is really good. So good rates are out there, you just got to do a bit of research to find them. For your husband, recommend him this website for calling cards:
http://www.nobelcom.com My fiancee who lives in the states, buys these cards all the time. I guess even if your the only one with a computer you could buy them on his behalf then let him know the details. Can I just say I would highly recommend that he buy a PC, even if second hand. Messenger programs and Email don't require anything more powerful than a 200mhz system, which would cost nothing if not people would be throwing away.... so get him to look around. Whatever you do don't use Telstra for calls, they are rip off merchants. I will ask my bro's in Australia who there low cost international provider is and get back to you. I think world exchange or something like that, i'm not 100% sure.