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Hey Rwoehrle,
Thanks for sharing! I think it's always good to take a very pragmatic approach towards donating. As long as you have a debt to pay, it seems like it's worth putting money into that, and building a safety net for yourself first (a bit like putting an oxygen mask on yourself before you gonna get one on your child). When it comes to volunteering for animal groups, I'd recommend ACE top charities, or charities that are founded by Open Philanthropy or Animal Welfare Found, they should be kind of safe bets. Personally, I like The Humane League, and orgs around Open Wing Alliance (because this is an intervention that seems to be proven to be net positive for chickens). You can look for online volunteer opportunities with them. E.g. I work for an EA organization full time, but recently decided to donate some hours of graphic work to Fish Welfare Initiative. Maybe you can think of things you like to do, and the skills you have and go from that. I think that volunteering is a great thing, and you can start with as little as 1-2 hours a week.
Also, try to join this group with EA Online Events: https://www.facebook.com/groups/EAOnlineEvents to connect with the community online until you will find (or maybe start) a group near you. All the best!