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confused urgently need help to make a decision


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i'm currently on a student visa which is going to expire in september 2017 and i still haven't been able to finish my course not even half way. 

i have 65 points without nomination(age=30,degree=15,pte=20  261313 software and applications programmer).

my question is if i voluntarily cancel my student visa and go back to my country after submitting EOI, will it have any effect on my 189 application outcome?

i'm very confused about whether to extend my student visa(going through financial hardship) or cancel my student visa. i don't have much time and any help would be appreciated thank you

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