Why do I feel as if, If I don't join a fraternity, then I won't be successful in life?

If you really want to join a fraternity, get educated, rush, just do it. As cheesy and cliche as this sounds, "where there's a will, there's a way". There are ways of paying for your dues (e.g. my fraternity had payment plans for dues and annual scholarships). Only you know what you truly want. Good luck!