Sometime in the mid-eighties I got a 300 BAUD modem. AOL at that time had a competitor called Prodigy and I briefly got a membership but I was in a podunk nowhere town and the nearest access was a long distance call. Those "on-line services" in retrospect probably don't really count as "the internet." There was a local "computer club" running a bulletin board service on a top end machine in someone's basement where the club paid for a second phone line, but it wasn't connected to any sort of grand internet. It was basically a forum where if someone else is posting you get a busy signal and your modem redials. Everyone typed up whatever they wanted to post in advance so they could upload it and get off the line.
Very similar start, here, in 1987. My friend was running a BBS and I was helping him. Then I went to USNA and spent four years trying (and mostly failing) to get dial-up access to interesting places in the Brigade shared computer areas where we all had access to USNA-only BBS-like resources.
Fast forward to 1992, stationed on a ship in Pearl Harbor, and got my own (off-base) one-bedroom apartment. I bought a new computer with "Promenade" (a proto-AOL) preloaded (my old academy one which had Civ 1 loaded stayed on the ship), and started into chatrooms and other stuff. Eventually Promenade got absorbed into AOL, and I got absorbed into trivia rooms. AOL was $6/hr, plus $12/hr for Hawaii/Alaska access. My bill one month was about $800, but I was (and am) not an inherently social guy and wasn't spending my paycheck on much of anything else. I met my (first) wife in one of the trivia chatrooms in late '92.