I always suggest Houdini to people who might be struggling financially. Even if Autodesk was affordable, I have to say, it crashes way too often. It’s just subpar software. Look into the possibilities of using Houdini for your work. It isn’t free, but it is more affordable for indies at 269.00 USD a year. If you can make it work, I suggest looking into that. Plus Houdini offers UE4 integration.