Dear Kelly, thank you for asking my opinion on your limitations. Let me begin first that the Theological studies should actually be free! I am not sure how it is in Kenya, but many schools in southeast Asia, Australia, and specially in Russia are actually state-funded or have subsidized fees. Try to find an organization in your country that is attached to religious work/ charity/ aid depending upon your concentration. They have lots of funding coming in and could partially or completely support you. Not to mention take up some jobs part-time to suffice your education some way or the other.