Not an artist here, but you can always use avatar or dress-up games to try to create a character's look as a reference point! We have a topic about it, and there's links there too if you wanna try some out. I'd say it kinda beats looking for an artist by a deadline on here if you can't pay anything tbh
I'm not saying no one will do it for free, but you never know! It's always good to have a back-up plan~