I am not aware of any such consultation offerings but I will investigate if that is an option, thanks for pointing this out.
After consulting her fortunately that is most likely an option, we have a buffer on our shared account to pay rent for ~3 more months but I'd just be shifting the debt to a place that wants it back less urgently, I still have to figure out how to get the extra income to make it happen.
I am about halfway through the required modules to start my bachelor's thesis so I still have a bit to go; The biggest problem is that I have a bunch of failed exams resulting from a multitude of things (both psychological because of the pandemic, idealistic because of some sketchy privacy practices, and very bad sleep causing me to _oversleep_ on exams). This is hard to explain to anyone asking, which happened to me before while I tried to apply for a job.
The course I study has requirements for how many credit points you need at the end of certain semesters to be allowed to continue studying, which I fear I will not reach if I lessen the uni load to focus more on earning enough to pay my bills.
I do have years of hobby-level programming in a multitude of different languages and environments, some of it going as far as almost being "professional" (I was paid on a few occassions to develop custom web solutions) and having contributed to a charity project centered around Minecraft a few years ago. I am unsure how to present any of this and if it actually matters at all, outside of just linking my GitHub profile. The same goes for my Scrum Master certificate, it feels a bit wasted after I found out how little people actually care about it.
I wish I could utilize a network to look for solutions, but outside of my siblings and that flatmate I don't really have any contacts (there wasn't much social interaction during the covid semesters and I never recovered from that). Especially none who would be working at places that'd look for someone like me.
If you want, send me an email and we can work on it ?
Healthcare costs: Does your uni or city offer free legal consultation? They might be able to help with how to ask your health insurance for monthly rates or a delay in bills.
Rent: How close are you with your friend? Would it be a possibility that they temporarily loan the rent, so that you can cover your unexpected bills?
Work: How close are you too finishing your studies and how close are you to the maximum study duration? If possible, you could reduce the amount of ECTS you're taking for the semester to make time to work up to 20h or more during semester breaks / exam phases. Taking a semester break for paid internships / any work is also a good possibility, unsure what you mean with credit point requirements. You could argue for an official "vacation semester" due to personal hardships. Working any job to make a living and cover your expenses is honorable. If possible, focus on building a track record of technical jobs. How comfortable are you with programming? Please try applying as working student or freelancer to companies in your area, as programming jobs likely pay higher per hour and build career capital for your next application. Likely, mid/large companies have no open headcount at the end of the year, headcount for these companies typically comes early in the following year. Startups, small local companies, and web/marketing agencies looking for freelancers might be different and also are more likely open to hire someone with little experience. Most CS people I know overuse the internet to look for jobs and underutilize their network. Ask fellow students, friends, and extended family if they know any open roles.
Credit: Have you considered taking a Studienkredit or similar type of loan for students?
Wish you the best!