So far all I'm hearing here is "waaaaaahhhhhhh!!!! Give me a free Carrier!" And all that's happening with the continued wrong statements is reassuring me of that. Dude, I get it, you want a carrier (so do I), but the 8bil commission and the (iirc) 5mil/week upkeep is making you think you'll never get there. I get it, it seems a little daunting for a new player. But if you just play the game you'll get there in no time.
Exactly 11 days ago I was down to my last 10000 credits after a few failed quests each blowing up my Anaconda, but I'm already back up to 250mil from just having fun and just doing whatever quests I felt like doing, despite have spent a lot refitting, repairing and restocking my ship, and even a further 40mil lost from blowing up twice more since. And if I was really bothered I could go to a 3x void opal mining area and farm the heck out of that and make about 200mil/ hour farming those and selling them to a high price station. Cause yea, did Frontier nerf mining? Sure. Sorta. Some of the more common things like painite, silver and gold have had their prices go down for selling and up for buying. But the void opals, low temp diamonds and alexandrite are still very good money makers if you can be bothered to put in the time then jump to the good stations that are quite likely 10-20+ jumps from where you're mining.