Welcome to CT confusedyoungin,
I worked for five years in restaurants and a country club before attending culinary school. When I started school I worked at a bakery from midnight until 7 in the morning 5-6 days a week, made a delivery on my way to school, classes from 7:30 AM until 3:30 P.M. and repeat. Full-time job and a full-time student. I work for free at a local butcher shop every Saturday morning for five months because the meat classroom wasn't finished. I did 4 out of 5 semesters, but did not graduate, and left because I had a job offer from a former employer to work for a green card, french chef stolen from Hotel Sofitel, at a private country club and because I was a little disappointed in what was being taught in school. I felt I could learn more from that chef than the school. I think I was right.
Exposure is what the schools are there for. Culinary programs are typically designed to expose students to techniques, ingredients, flavor combinations, presentation, etc. You will spend a day or two learning the flavors and common ingredients of some major cuisines like Asian, Mediterranean, Caribbean, etc. and move on. So, in a school, whether the lesson plan is to teach you clam chowder or profiteroles, and whether you have success or not, you will still move on to the next product or training module. Simply exposure, not perfecting... They typically don't prepare you very well for the pace of working as a cook in a restaurant. So the value in the school environment is in opening your eyes to culinary possibilities and the value in working in a restaurant is in learning to move fast enough to keep a job!
I totally understand not having a bunch of money so, I suggest that you use your most abundant resource, the energy of youth!
Get out there and find opportunities to learn what you want to learn. Find the part of the food world that gets you excited! Best BBQ in Texas? Best Pizza? Best doughnuts? It's OK if you don't know that answer right now, but try to work in a variety of places until you find the one that gets you excited. I quit a management position and took a pay cut to work as prep cook/dishwasher in a Chinese restaurant because I really wanted to learn REAL Chinese cooking. (It was worth it!)
I didn't think I was competing against other chefs in those American Culinary Federation competitions, I was competing against myself. How good can I be? Just try to impress yourself with how hard you can work and what you can achieve.
As usual, the effort you apply is proportional to the benefit you gain.
Good luck!