Alternatively, you can pass responsibility for the funeral back to the hospital where the person died, or to your local authority. One or the other will then arrange the funeral, which you will be able to attend.
There is no shame in this. If it is to be a cremation, it will be almost the same as a no-frills private funeral. If you have slightly unusual requests for the funeral ceremony and you aren’t getting much support from the funeral director engaged by the council, the crematorium staff may prove very helpful.
If it is to be burial, the council may insist that you use a public grave, which means that the person who has died will share the grave with people who are not known to you. But all costs will be covered.
Bereavement is hard enough.
Don’t leave yourself with the stress of debt as well.