Are the hours really bad for going to a coffee shop or other public place in your location (I guess if you're semi-rural)?
Or why can't you save up for some HPE - hearing protecting equipment (could use ear plugs or ear muffs). Get some sort of quality device, maybe industrial grade that helps prevent ear damage like the workers use for heavy machinery, (some tools can be only 25 decibels from eardrum rupture). Take a look on amazon or wherever you can get a good pair. I say get your hands on this, your future might depend on it.
If these options still don't work, I have to ask, have you ever studied for courses like these with music before? I ask because I personally would never be able to study with music unless it was for math or physics. But even then I would only be able to do it for operations in math or physics that I already learned previously. Couldn't imagine reading textbooks or notes on brand new subject material while listening to anything I enjoy listening to. Way too distracting for me.
Honestly, I am capable of learning with music and am still in high school so these marks are likely not that impressive but managed to get an overall average of about 90 last semester while listening to music (Courses were Advanced Functions, English, Data Management and Chemistry).
But, I know I can learn BETTER without music - I am able to focus semi-well with music because when music is not playing I am 100% concentrated and I know I can do better
I can work at the library or a coffee shop however because of the neighborhood I live in (Not the best area) they're all pretty loud and the laptop I have (a Chromebook) I have limited access to what I use at home when I'm on my PC at home
The ear plug idea is nice and I didn't think of that, to be honest