Do what I did. Drop out and walk away. Avoid going into too much debt. If someone is willing to lend you a helping hand, like family or friends, trust me take full advantage because you are lucky to find it and that opportunity can go away as fast as it comes too. Same taking out a loan but just make sure you can pay it back plus interest. Work odd jobs and save up what you can but live as best you can too, we are all going to die someday soon anyway. Having kids today not recommended, way too expensive, the world is already fucked, our countries will be third world within our lifetimes, procreation at this point would be cruelty towards children and just a massive burden and stress inducer plus they would have no future to look forward to anyway. Sorry I have to state the obvious but it's now too late, our governments and politicians absolutely fucked all of us, they absolutely destroyed the fragile civil consensus that once held our society together. There is no going back. You are living life in a very dangerous house of cards and every single year there are industrial fans being turned on all around to ensure it collapses.