Cost is a real constraint, not an excuse. Let us look at the actual numbers rather than around them.
Talking to a person helps more than any plan we can produce. These lines are free, confidential and answered by trained people.
Your campus also has a counselling service, and it is free to students.
Whether you qualify for any specific scheme. Criteria change every cycle, and only the provider can tell you.
Check PTPTN eligibility, then list only the scholarships whose closing date has not passed.
Ask student affairs about instalments and hardship aid before you decline anything. It is rarely advertised and often exists.