Starry,
It's the illness that's talking. You aren't trapped for 26 years. You don't have the money to go back to school today. You can't quit your job today. It doesn't mean you won't have more choices next month or next year.
I hate the periods that I go through like this where the hole seems so deep that there will never be anything that can change. The truth is that things seldom stay the same. Maybe you can get a student loan, maybe you can try for a grad assistant if you have your undergraduate degree, maybe you need to wait a bit for things to stabilize but there will probably be a chance for change.
I hope you feel better soon. Take care of yourself, try doing some nice things for yourself, and I hope that you see some light soon.