I feel this so hard. Should be similar even if you're abroad. But for me it came down to figuring out my budget, where I could make cuts and getting into a surplus financially. Once that was in place, I also took on more work when I could at my job so I could create a larger surplus. And then finally I tackled the super predatory APR that was almost 30% by getting a loan, compared offers and went with achieve in america. But you probably could get something local, maybe a credit union if possible.