I have been in your shoes -- multiple jobs despite multiple degrees. I really should get a part-time one myself, as I also live paycheck to paycheck, and it sucks .... but my industry is dying and everybody is cutting back, including my paper -- no raises, not filling open positions, etc.

You might try PPA . Oftentimes you can get help with meds that way. And maybe your therapist will cut you a break on fees -- can't hurt to ask.

I hope you find a way to have a bit of a life and still pay your bills.