sometimes life things occur when we really need an outside opinion. you can be reserved in personality but i urge you to be open in therapy. to get help from therapy it calls for this regardless of your reserve or not. clearly it appears to some professionals this is needed. try to have an open mind. if you don't it's a waste of your time and money.
you requested we offer our perspective. you put forth the effort to find psych central to get suggestions, glad you did. anyone would be overwhelmed having all the snafus in their life. very complex issues snarled together. i hope our thoughts on your situation will help you make sound decisions on your future.
PS "pride goeth before the fall." hope you will allow help to enter. if you had all the answers you would have resolved these issues.