Apple products do cost more, but if you measure cost against productivity in the real world, I'd bet the price would look very fair.
I hear endless complaints from my PC friends of virus, etc. attacks, slow downs after adding software, the need for basic maintenance (defrag...drive rebuilds, etc.) new and expensive virus protection and the high cost of tech support for those who are not tech minded. Not all PC owners experience all these problems, but many I know do.
So save up, get a loan, credit card or talk to the parents. It's worth it to have a Mac. Yeah the prices are still a bit high, but how much is your time worth?
This thread could be called how do you afford a PC.