I guess others have suggested it, I haven't read all the posts. But there are psych therapists who will work on a sliding scale and give you a discounted rate. You may have to search around online for your area's therapists and email them, telling them your situation and that you need a cheaper therapy session rate. I'm sure a few of them will allow this. All you have to do is ask. Good luck.
I'm sorry you're feeling so bad. But trust me when I say, no matter how bad things look now, they do get better. Just take it day by day. Trying to take in the next 20 years in one sitting is enough to scare anyone. Try to worry only about the here and now and things may not seem so overwhelming. You can do this.