Learning is free.
You can learn 90% on most topics using free courses on edX, Coursera, Youtube.
Creating is free.
You can practice most of what you learn online. For free.
Eg - If you are learning marketing, practice by writing a knowledge article cum sales letter on your free Wordpress blog.
Eg - If you are learning film, create a video using your phone and put it on YouTube. Edit using free apps you can find on the Play Store.
Fitness is free.
You can always reduce the food that goes into your mouth and do 100 push-ups and 100 squats.
We are living in an amazing time of humanity where the importance of privilege is diminished.
Do what you want with this information.