I need some help from any clever diy-ers out there.

I live in a flat and the clothes washer has only 40, 60, 90 degree wash cycle choices. I want to be able to wash in cold water, but the machine doesn't offer the choice.
Is there a way to get the machine to do this? It's my understanding that the water is heated within the machine, so can I disable the heater somehow?
Any ideas?
Thanks!

Ann