“Really difficult situation! I would recommend that you try to agree with the library management that you will gradually buy the books or be ready to pick them up now, but you agree to send regular checks to pay the debt.
If all else fails, I recommend reading the articles at https://eduzaurus.com/free-essay-samples/, there are many interesting materials on any topic. There is also a section on philosophy that you like to read, as I understand it.
I always read something there, so I recommend looking at least once.”