I thought of finishing my bachelor’s degree education as a way of joining a free study abroad government program for a master’s degree. I thought of finishing my bachelor’s degree as a way of joining a free study abroad government program for a master’s degree.

This program helps people whom otherwise might not have enough money to go study abroad. This program helps people who otherwise might not have enough money to go study abroad.

A good tip to remember with who vs. whom is to ask if it is "to" whom? If it does not make sense to add "to", then it is can't be whom. Or, just remember that whom can only be an object of a verb.

I knew that I couldn’t afford to pay for the tuition fee and for the living costs while studying in a foreign country, so I decided to give it a try. I knew that I couldn’t afford to pay for the tuition fee and for living costs while studying in a foreign country, so I decided to give it a try.

You can also say "the cost of living"

Now whenthat I have my bachelor’s degree I don’t surely knowknow for sure if I really want to enter the program, so I’ve deferred this decision for better times. Now that I have my bachelor’s degree I don’t know for sure if I really want to enter the program, so I’ve deferred this decision for better times.