Those are not good reasons to have a child. But I applaud you for wanting to work on yourself and to get the education you want to get. Why not apply for grants and see if that is available. Many colleges offer counselling so you could take advantage of that as a student. Some also offer counselling to non-students at very low rates. One near me charges $10.

You can also work on your issues while you are learning about counselling. You can attend AA or NA meetings or other support groups. There are many fine books on issues and healing at the local library. There is a lot of information online as well. You can apply the same skills you will use as a student to research, gather information, sort through it to see what seems helpful to you.