Oot yid – hard to know what to say but better to say something than nothing. Sounds like a really difficult situation you’re in. Can’t offer you how to get out of it because I’m not aware of your exact circumstances and I’m sure you’ve explored your options.
This I can tell you though: we yidden by connecting to Hashem raise ourselves above nature! Even if it looks like you’ll lose out and lose your home cvs because of shabbos, it’s just a test, and if you tracht gut, think good, then vet zein gut, it WILL be good bpoel mammash!! This is the power of Bitachon.
Think of how many of us have big families with average income / skills. Technically, most of us should be homeless cvs, but we aren’t because yidden are above nature. Hashem gives us what we need and He usually makes it work through nature although it’s above nature. I don’t know who you are or how I can help practically but I’m just telling you I’ve been in a similar financial situation when I was just married and my husband decided to go to kollel cuz that’s what the Rebbe said, and at that point they didn’t pay. If they paid, it was 300 a month when rent was over a thousand.
My teaching job in beis Rivkah wouldn’t cover food expenses and rent, and besides, beis Rivkah always paid late so it really didn’t look like a sensible move to live in CH and go to kollel there.
So we wrote into the Rebbe, and got a letter that said that my husband should learn in a place with a Chassidishe seviva. And as far as the Gashmius were worried about, we should know that Hashem will send our Gashmius where it is best for us bruchnius.
So we moved.
And it worked. Every month or so people would approach us and ask us if they could support Torah learning (we are far from the only kollel couple and did not solicit at all) abs we got about 1000 extra a month.
7 months later, the kollel started paying a thousand a month and all the extra offers stopped.
Hashem is real. He will help you. Stay strong!!!