There really isn't a civil DUI charge. A civil suit might occur if you had hurt someone or damaged property while you were driving. I suspect you're referring to the administrative hearing we discussed above.
The administrative hearing is a simplified administrative proceeding to suspend your license. The state has a lower burden of proof than it does with a criminal matter, and that's why you're receiving so much less opportunity to respond.
You could ask the court for a continuance to retain an attorney. However, if it's going to a take a while, the judge may grow tired of granting continuances (and they are discretionary for him). If you cannot afford an attorney, you may wish to ask the court to appoint one for you. Alternatively, your attorney may accept payments or credit cards
I think it would be a huge mistake to simply plead guilty without retaining an attorney. You do need an attorney and you may very well have a basis for a defense. In any case, if you're convicted or plead guilty, it's not likely, for a first time DUI, that you'd do any substantial jail time, but you'd face substantial fines, a license suspension, possible substance abuse classes, and higher insurance rates when you get your license back. I really, truly believe that retaining an attorney so that he can evaluate your defenses, given what you've described, would be a really smart move for you.