I would accept the friend's offer for a short time and put a cap on it. Say, no longer than 6 months would I accept her charity. I would keep track of the money she has loaned me. And I would work hard in those 6 months to become functional enough to hold a job so I could repay her or at least give her a really nice thank you gift! I think she is making this offer to you because she cares. You would not be considering it unless you really needed her help.

Have you considered clinics that are private but have an affiliation (overt or shadow) with a university? A number of clinics exist that have connections to universities and where both pre-licensure and post-licensure therapists and psychologists practice, often with supervision from faculty. It can be hard to find these, as they can't state their affiliation, so you can't find them by going to the university website. But some universities also have clinics that are sliding scale for the community--not the same as the brief therapy services offered to students. The fees at these places are really reasonable. I just looked up a few programs in my area. One was $45/session, another was $50, and a third was $20-$80, depending on ability to pay. All of these are a huge bargain compared to full price therapy in my area ($150/session or more). Another reasonably priced clinic in my area is run by the local psychoanalytic institute. Religious organizations are another possibility.

I wish you well and hope you can find therapy to help.