Look into /r/personalfinance about getting a personal loan to consolidate all of your bills to protect your credit rating and possibly get a lower interest rate. You wrote that you have no time for hobbies either, aside from not having money. Think about giving long walks and the public library a try. Maybe there is a hobby like meditation you can learn for free on YouTube. Consider asking your family for help moving to an area where you have a chance at a better job.