Well The redneck in me got to work, I found a acrylic "tower" in the garage, and then found a smaller one that fit perfect inside.
So I now have a tower with ceramic rings on the bottom, and then a shelf of egg crate and then I filled it with filter floss and misc aqua clear sponges, the water from the tank will go thru this first, then flow down thru the ceramic rings, and then I have a "4th" chamber in frt of the tower I filled with bio-balls and scrubbies, and then on the next section its filled with more bio-balls and then there is the area where the return pump sits.
I have a carbon "filter" that hooks up to a smaller pump and takes the water in the return area and flows thru the carbon and return's the water into the return area. Kinda like a gfo set up.
I am going to add some lave rock in the second compartment for more surface area at the bottom.
I am also going to skip the plants, as the only reason I mentioned it, is I read that it will suck up the nitrates
So tomorrow I will fill the tank and turn it on and see what happens