Broke college student? OK. Add longer fenders, and you should be good. My winter strategy is to ride on plowed roads, where the only problem is melted ice. There is a winter cycling forum on this site where they will have other advice for you, like studded tires made in Finland or something, but that type of things is usually only necessary if you will regularly ride through deep snow.

For clothing, get a balaclava -- performance bike sells some good ones -- and maybe a skull cap for when it's only in the 50s or so.