$30 - $50 CPMs, how can I reduce this?

I'm running debt settlement (looking for people trying to reduce debt burden, has a lot of qualifications), just dipping my toes in facebook ads again. I have one main campaign, I have two ad sets, I ran the two ad sets one after the other on a schedule that ends the same day, 11AM - 8PM. Ad set 1 was trying to get calls, spent $15 (all CAD) there ($30 CPM, the creative was a funny reel), got 0 calls. Ad set 2 was trying to get messages, budget $30 there, got two messages (which would actually not be bad! if they were qualified (or cheaper))

My placements are just facebook and instagram feed, no marketplace, no stories/instream ads (because my image ad looked bad there), no search results and no apps or sites (scared of bot clicks).

My Advantage+ Audience is 30+, all genders, Behaviours > Purchase Behaviour > Engaged Shoppers.

My locations are about 30 zip codes of areas that should have people with lower middle class incomes AND have lower CPMs on facebook. My total audience size is about 1 million (I turned off the option that lets facebook suggest my ad to people interested in the locations), facebook estimates I reach between 630 - 1.8k and have <10 conversations.

This is my creative, i'm running just 1:

https://i.gyazo.com/76f6a18849019254bd09b3ae4ccf23ad.png

My message ad is currently $8 away from full spend, doubt i'll get any other messages but hoping for the best, these are the stats:

• Reach: 390
• Frequency: 1.09
• CTR: 1.64
• CPM: $51.57

Any help at all would be appreciated