My advice to any current JW would be the same that was given to me when I was 18 in 1973 by a former WT Branch overseer ( a relative that I ignored at the time)..:" Do as Watchtower does ...not as they say".." Watchtower has 5-year building plans, gathers large savings accounts and continually invests in real estate". At the time I thought he was joking or had a bad attitude...but now I understand he was trying to save me.
I would add to that advice..if you can't afford to attend College full-time...go to JC College or night school regularly. It is more pleasant than evening meetings, and Saturday field service, and unlike meetings and field service, it will expand your mind and add to your pocketbook book...long term. I have a friend who chipped away at getting a law degree by going to night school for years. It was slow...but attainable.