The short answer to this question is maybe. It all depends on your own personal situation and what issues you are facing.
Instead of listing every conceivable option, let me try to keep it simple.
If you have a relatively short marriage and you do not have children or property together, then you might consider handling your divorce on your own. But in general, I don't recommend that people attempt a divorce without the aid of a lawyer.
I know, I'm a lawyer, so I understand that it seems self serving. But I don't say this because I want to keep divorce lawyers employed. I say this because of the number of people that come to me trying to fix something that got screwed up because they used a fill-in-the-blank divorce form that they found online.
Divorces are complicated because people's lives are complicated. I've handled hundreds (probably thousands) of divorces and I know what potential issues you may face before, during and long after your divorce. Not only do I know the issues, but I know how to help you avoid them.
If you want to make sure your divorce is handled properly but want to do as much of the work yourself to minimize your cost, you may want to take a look at our No Nonsense® Divorce Drafting and Coaching option.
This option lets you and your spouse work through your issues using our No Nonsense® Divorce Workbook. Once you've done that, we'll draft the proper documents for you and you can file them with the court. It's like a DIY divorce with help.
Now, if you are truly not able to afford competent legal help, then you may want to take a look at this list of free and low cost legal resources.
Whatever you decide to do, I encourage you to at least speak to a lawyer before you proceed on your own. He or she can tell you if they foresee any potential trouble spots. If you'd like to discuss your situation with me, go here to schedule an initial consultation.