Tailhead also has "Super Badges" which require you to do a specific set of tasks that can encompass many hours and can give a clear demonstration that you've taken the lessons learned and adapted them.
There's a large community of folks out there who can help you with your exploration of Salesforce and many times you can find the answer to your question by implying googling around.
They're not a guarantee to a job but many times it will at least help you get in the door to get an interview.
Jason recommends the following next steps:
Hope that helps.
I know money can be a really annoying and daunting issue. Some ways my friends have found to deal with it involve scholarships, working, or taking on jobs to support your career. I think loans are a last resort if there is literally no other option.
Good luck with your search and I hope it ends well :)