RipTide,
First, welcome to TBN!!
What nasdaqsam and PineRidge wrote has worked very well for me.
When I do get ditch scrapings from the town, it's normally pretty decent topsoil that has run-off. Yea, you need to pick a little garbage out but still worth it.
How much do you need to pay for fuel to get a truckload of "free" dirt? Around here, the going rate is around $25-$35 per 5-6 yard truckload.
Brian