well, you don't have to pay money to reset the password, but you'll have to do some investigating yourself.
The most obvious way, is to remove the HDD from the laptop and back it up with a second PC and a HDD case (or whatever). Then reformat the drive, install windows, and restore the data from your backup.
As for cracking windows passwords without doing that, I'm fairly sure that discussing it isn't allowed on this website. There are other sites that will tell you this information with a bit of a google search.