People keep telling me that I should apply for disability. I don't know what to do. I'm only 19. My dx is Psychosis NOS. I feel like I'm not disable enough for it. My illness has been interfering with my job. I might get fired. I heard if I have disability that I can go to school for free. It sounds good, but I just don't know. Do they consider an IRA in the application? Because I have an IRA, but I really shouldn't be using it. I've been taking money from that for my rent and college. I really shouldn't be using all that money because I get penalized for using it before retirement age. I'm in a very confusing spot. I need some opinions.

What should I do? I don't even know where to start...