Grad student that makes a stipend of $1,900/mo with a rent payment of $400 and car payment of $300 here. I do not donate because I do not have great insurance n

Grad student that makes a stipend of $1,900/mo with a rent payment of $400 and car payment of $300 here. I do not donate because I do not have great insurance nor do I have sufficient savings to last more than 2 or 3 months if I were to no longer be funded at school.