Well, happened more or less the same thing with me a couple of months ago (also didn't have insurance)
I accidentaly dropped my phone on the toilet (don't ask me how xD).
It shut down immediately and as I couldn't turn it on I panicked.
I removed the batery and the memory card and tried to take the most water I could with a small towel, then I puted it on my room's window to get some sun, with the screen facedown.
I keep doing this for a couple of days (day by day the screen was a bit wet as more water was being removed) and always trying to turn on the phone, which happenned in about a week or so.
I remember reading in some foruns that this worked with many phones dropped in the water, hope it helped!
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