what if my iphone is disabled

You will need to restore the device using a computer. The process will erase the device. Later you can restore your data from a recent back-up. Perhaps a friend with a computer could help you or you can make an appointment at the nearest Apple Store for assistance. Instructions here...

If you forgot your iPhone passcode - Apple Support

Apple Store - Find a Store - Apple

Hello ~ If you were updated to 15.2 or later you could follow the directions here:

How to reset your iPhone, iPad, or iPod touch when you forgot your passcode - Apple Support

If not you will need a computer or make an appointment:

Genius Bar Reservation and Apple Support Options

~Katana-San~