Am I exempted if I take this student loan involving riba?

I've been working really hard in high school to get accepted to a good major in university. I'm going to start studying this summer. I need an apartment and food to live and I have no income what's so ever. The only income I can get is if I take a student loan. But the thing is, there's a 0,05 interest rate which is little but its still RIBA. If I don't take it I have to live on the streets while studying for 3 years. The thing is, I can get a job on the weekends but it will not give me enough for residence and other necessities. You may think that I can work at night on normal days but if I do that I will literally get no sleep (maybe a couple hours if I end school and studying early). I don't know what to do and I'm so done with life. Is this really a necessity so that I'm exempted and forgiven for this sin?