Just like Access suggested, quite a lot of good photographers do not charge, it's just a matter of getting to know them (I don't live in the US, and where I live, no cosplay photographer ever charges).
I think the most important is not to have an experienced photographer ; the most important is to have a photographer you're comfortable with. If you're not used to pose, it's a lot easier to relax (and thus look natural) when the photographer is someone you know and trust.
I've done shoots with strangers before, and I while I learnt a lot doing them, I don't think the photos were as good as the ones I do with friends. With strangers, a lot of my energy goes into communication, in order to build the necessary trust as the shoot goes ; with friends, I can use all said energy for creativity.