I think it is very noble of you to weigh your needs against the needs of others. Charity and how you should exercise it is a very interesting subject, and there are many many ways to do it optimally. See Givewell, Watsi, Mindsmatter etc. Since you are reading this, I assume you are doing reasonably well in life, so, and this is my personal view btw, you do need to give something back to those in need. However, don't let that prevent you from investing in your own education - it will very likely enable you to do more.