Take it from somebody who's shaken hands with the Indian High Commissioner of a country, chatted up many members of the State Bank of India and who's friends with a venture capitalist that takes investing in, and expanding, domestic infrastructure for cleaner air, water and electricity very seriously. He's setup many electric generations facilities, water generation facilities and more.
Given my background with the Indian government (nope, not Indian here) you're out of luck. The only way to "Save, earn, etc," with your situation is the exact same as I went through as a poor American, owing (today, 15 years after graduation) more than $35,000 dollars for my college degree. That's more money than I earned in the last eight months - and, I have two children, the IRS also claims I owe them about a ton of money, but thanks to finally catching up on filings, it's a smaller number - or soon will be.
Friend, it is hard for people who know billionaires, who know people, shook their hand and made them millions via Ycombinator and others (I got turned down, but, applied late).
The facts are the following:
* Nobody owes you a living, period. If they do, we're all standing in line and it's not moving.
* Save money. If it's a Penny, a Pound or a Franc, it matters.
* Create works - code, write, etc - so when and if you CAN publish, you're ready. Even if you develop skills that you can't use, nobody can EVER steal what's in your head. :)
Finally on a very, very serious note. Everybody has a sob story. My mom's currently a cancer survivor; my step dad has been on dialysis for a decade and thank goodness they are poor enough the US government pays for their medical treatment - or they'd already be dead. Life can be hard, it generally can suck, but, you own what you know. Knowledge is power. Stop whining in public, produce, learn and grow. Most of us, here on a "dot com," address are global, or rather, "Not Indian," so won't be able to give you the best advice.
However, if the goal was, "Learn how to compete with the best & brightest," this is a fantastic place. Sympathy is hard to find, but positive, productive suggestions - hard work, acquire knowledge - are the real keys to growth.