It sounds like your finances are getting worse. I would advise you do a couple of things. You say you don't think counseling would help, but from my perspective you two definitely need some kind of outside help to get communicating about how you feel, how she feels, why she can't or won't look for a job. You talk a lot about your feelings (which is only natural, since you came to this site as an individual) but you need to understand what her feelings are. You mention agoraphobia. If that is likely - all the more reason to try counseling. You don't seem to know why she won't look for a job. Is it laziness or could it be that her debt is so high that it seems insurmountable, and she's paralyzed by the anxiety or the shame she might feel if she can't get a good paying job, even with her education. Counseling could help her deal with issues like that as well.
I wish you all the best in finding a way to make both of you happy and healthy.