Dear brother I would advise that you finish any studies and have a career to support your wife and then marry. You are rather young so you have time inshallah. Not all women require money and it is not sunnah to demand a high dowry and gold. I married my husband with one dress, a silver wedding band and a promise of £50 when he had it. The important thing to remember is that if she is the right one for you Allah will make it easy.