i am pregnant and my visa is already expired. i dont have enough money to pay for the penalty

Dear, anyway, I think you should report your situation to the local PSB because you have overstayed for 3 months. Don’t let it be more troublesome. I’m afraid you have to pay the penalty. In this way, you can apply for the exit pass to leave PRC. If you indeed cannot pay it, you can ask help from the embassy of Philippines in PRC.