The mikveh "lady" can be any Jewish woman above bat mitzvah.
(Much, much less desirable is your "husband," but he's not your husband yet, so per the letter of the law it's prob. a bad idea.)
Third (last resort) is, I kid you not, a "loose-fitting net." See: http://www.yoatzot.org/question.php?id=1349
What I would do myself is dunk once to make sure all my hair gets wet (and thus doesn't float). Then dunk again and pull all of my hair down underwater (not grabbing it tightly, of course). Where are you going to find such a net? Geez.
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(Much, much less desirable is your "husband," but he's not your husband yet, so per the letter of the law it's prob. a bad idea.)
Third (last resort) is, I kid you not, a "loose-fitting net." See: http://www.yoatzot.org/question.php?id=1349
What I would do myself is dunk once to make sure all my hair gets wet (and thus doesn't float). Then dunk again and pull all of my hair down underwater (not grabbing it tightly, of course). Where are you going to find such a net? Geez.