You have a library card. Don't be afraid to use it : e-reader help from your library
Most public libraries in the U.S. offer electronic books to their members and can be downloaded remotely.
The New York Public library has created e-book central to help their members navigate borrowing and downloading books and other materials. Luckily for all of us, the process is pretty much the same at all U.S. libraries.
All you need is a library card (I know you have one).