I read this story in a German adaption/translation of Asimov's Science Fiction, probably in the 90s.
The protagonist is a young woman on an aquatic alien planet with a permanent human population living largely in poverty. She works as a diver in the ocean (which is full of extremely dangerous wildlife), for interstellar tourists, either as a guide or in finding rare specimens which the tourists buy. Her dream is to leave the planet, and she achieves it at the end of the story, after a particularly dangerous job.