Kiya,
You're limiting your options by shopping for PSA graded only. On the card you mention, (#280) the PSA 4 is offered for $150, but there's an SGC 40 offered for $45. Buy it and cross it over.
Edited to add:
http://cgi.ebay.com/1938-Goudey-Head...mZ380158074976
(Not my card. Just did a quick Ebay search.)
Edit #2- On this one, take a chance on a raw card.
http://cgi.ebay.com/1938-Goudey-Head...mZ350253673365