alright..I gotta ask....what type of NLE are you using?
I use Final Cut Studio 2.... and Soundtrack Pro that comes with it has at least a couple of hundred of royalty-free music loops that you can use, from folk to punk, and you can edit, and do what you want with them.
I use them all the time, and edit them down in Garageband. Awesome stuff!
I also shoot numerous live shows for bands and CD release gigs, so I also find it pretty easy to ask an indie band if I can use their songs in various projects. 95% of the time, if they're not signed, they are more than happy to oblige.....AND THERE"S A SHITLOAD OF VERY GOOD INDIE BANDS OUT THERE...all ya gottta do is a bit of research some listening. :)
Believe me...you'll find some incredible music that will blow you away...and it'll cost ya nothin'. B)
my 2 cents....