If your ACL is torn all the way, you will need surgery if you ever want to do anything athletic again. Mine got blown out when someone hit me too high on the leg on a takedown. I had ACL reconstruction surgery the week of my 50th birthday a year and a half ago. Two months after surgery I was back in tai chi class, and kung fu class after six months. Since the surgery, I've had more knee problems, probably miniscus related. I've chosen to forgo kung fu and focus on tai chi.
If you don't have insurance, I'm sure the surgery is expensive. Hope you can find the help you need.
"The true meaning of a given movement in a form is not its application, but rather the unlimited potential of the mind to provide muscular and skeletal support for that movement." Gregory Fong