Hi everyone. I'm a uni student in Asia with $30-40 to spare every month (you can say that this is my income) and i want to increase it

I plan to build a budget mining rig with 4x RX 560 (priced around $180 each) to start off and i want to ask some questions:

1. Is it even worth it right now to start mining after thr crypto values falling down? and if it is, is it still profitable to mine with cards lower than 1060 or 570?
2. If i pay my rig with a 1-year installment (using my mining money + my monthly income) will it be risky considering the GPU durability? I'm afraid that my mining GPUs don't last over 1 year.

I appreciate your answers. Cheers!