This guy doesn't know what hes talking about^^ HITH occurs commonly in oscars due to bad water quality, not tank size. Filters will not keep your water clean though, you'll have to change their water as of often as you can to remove nitrates and ammonia which no filter can remove.
I know you already know but please research the fish before buying them. Clown loaches should be kept in groups of 5 or more, plecos will grow just as large and just as fast as oscars. Cories do not do good by themselves either, groups of 3+ are good for them but you don't have the room. Get the biggest tank you can find, where are you located? I'm in Michigan too.
Heres a tank that would hold them over for a while and you could use your filter on, you'd probably just need a new heater. (visi-therm stealths are the best for large cichlids because they are shatterproof and very reliable, petsmart sells them too so they're easy to find.) You can have them pricematch their online price for the heater too if you print the page off of their website and take it in there you can save yourself about $12 or so dollars.
http://cgi.ebay.com/ws/eBayISAPI.dll?ViewItem&ssPageName=STRK:MEBIDX:IT&item=280266844307
otherwise start looking on craigslist, new tanks are a waste of money unless you can afford them.