I'm glad that you asked that question. Microsoft is committed to providing high-quality learning resources to help provide equitable, accessible training globally.
I encourage you to join the developer program even if you don't currently qualify for the free Microsoft 365 subscription because you still get access to the tools, documentation, training, experts, and community events that you need to build great solutions for Microsoft 365 products and technologies. You'll also stay apprised of new offerings on the horizon.
We are a tool for learning but not the only tool to help grow your skills. Microsoft launched a program during the global COVID pandemic called "Level up learning" to help provide people in your situation. Have you checked this out? https://learn.microsoft.com/en-us/training/career-paths/developerThere are also some enticing areas to explore here: https://learn.microsoft.com/en-us/. In many of these courses, you get access to a dev environment to do the work.
As a former educator, what I really appreciate about this approach is that they are highlighting a variety of types of training - both learning by doing, completing challenges that demonstrate your skills, and providing a place for community engagement. You can follow specific tracks and have opportunities to prove your learning. There are self-paced options as well as instructor-led. While the instructor-led trainings are normally for a fee, the self-paced ones are usually free. They offer free virtual training events globally, ways to connect with startups, and many more options. This is a great blog to check out for details: Microsoft Learn Blog - Microsoft Community Hub
The recent grad in my house who is currently looking for work, is leveraging Microsoft Learn to take classes and then get course certificates for completion or skill mastery that they add to their LinkedIn profile as a way to help translate their degree into skills that are understandable to the job market.
Good luck jayeshpandit on your journey.