Nyssa, you might want to look into
Free Library of Philadelphia. From their application form:
If you live, work, go to school or own property in Philadelphia, you can get a card at no cost. If you have a card from another Pennsylvania Library, you may also qualify. Seniors (65+), veterans, and members of the Armed Services also qualify for a free card.
If you do not qualify for a free card, the cost is $35.