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You can't afford to buy a PS3 but you can buy an Xbox and pay the monthly fees? I'm confused.
Don't get an Xbox, not worth it. Game on your PC.
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To be honest if you don't like Halo I wouldn't get a 360, practically the only reason I got mine.
The online system is far better as mentioned previously but that's obviously up to you if it's worth the 4 bucks a month.
I also find the controllers are better on the 360, maybe because my hands are so big and that's a minor thing anyways.
Before you make your final choice check out a list of exclusives for each system, both already out and future releases, there may be some titles that you will miss out on by buying a PS3.
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Halo is the only reason 360 is good.
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Xbox Live < PS3 Network
Xbox Games > PS3 Games
It's a balance, choose whatever you feel most confortable with