2 potential options that I think you're overlooking:

Asking the course provider about possible payment plans. These places deal with lots of people in your situation, and they might be able to work something out. Alternatively look around at other providers for lower costs, some courses can cost 3k at one institution and 1k at another, even though the end qualification is the same.

You've said that level 2 cannot get you a job, however I think you could find an employer willing to take you on and pay for part of your course, if you make it clear that is what you're doing. It's not guaranteed, and they probably won't pay much initially, but there are definitely employers out there who would appreciate your desire to learn and get qualified, and you can complete the course in as little as nine months which isn't long in their eyes. You'd also then have a bit more experience which is much better than someone coming in fresh off the course with no experience. The downside here is that they probably won't pay as much as the going rate for fully qualified electricians, however after a year or two you can discuss a raise or look elsewhere as you'll have a very solid background then.