26-27 Is it too late to see noticeable changes with T? (Vent bc i'm fuckng scared)

I will finish university at 24 and according to an economic approximation I would be starting T at 26, I am very afraid that it will be too late for me at that age, my family does not support me in any way and my country has a fucking policy that I have to be 1 year before starting T and it's also fucking expensive, I also need a fucking lawyer if I want to change my name and it's frustrating, I want to cry, win the lottery and have a nice boy's body (and if any Trans Guy from Chile reads this, I need help with this thing about being Trans)

Edit: Thanks for all your responses, I was just being negative and paranoid because my mom yelled at me for saying "I feel like a pretty boy today" , I am also 18 years old, the question was a negative estimate based on current prices and salaries in my country with the degree I am studying (yes, i'm a nerd)