Just picking up on a point in the first post, you are expected to pay $200 insurance in case you break an aircraft? What a rip off!
As for god headsets on a student budget, the good old David Clarks provide a decent headset for not too much money. You can find a local dealer to you from the DC website, here:-
http://www.davidclark.com/HeadsetPgs/index.html
A lot of people I know would look at something like the H10-30, which has good noise attenuation and is in general a good, solid, reliable headset.
As for the charts, talk to the school and find out exactly which ones you need, and then find your local Pooleys dealer and ask them to get hold of the required charts for you.