You have several choices, including a loophole that may still be free.

If you’re a Windows 7 user, your deadline is nearing: Windows 7 officially exits support on Jan. 14, 2020, so it’s getting very close to the time you need to upgrade to Windows 10.

“End of support” means that your Windows 7 or Office 2010 software will no longer receive updates, including security updates, according to Microsoft.
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https://www.pcworld.com/article/3489876/windows-7-dies-in-a-months-time-how-to-move-from-windows-7-to-windows-10.html